Budget after a layoff: what did you cut first?

My income dropped to unemployment benefits and my bills have not changed. I am in Salt Lake City, in case local advice matters. I listed every subscription and found several I forgot. Did any lender work with you?

Ask your utility about hardship programmes. Mine knocked a bit off my bill for several months.

I called the landlord and the card company early. Both offered a short payment plan, which I did not expect.