Budget after a layoff: what did you cut first?

My income dropped to unemployment benefits and my bills have not changed. I worked as an operations analyst before this. I am nervous about the credit card minimums. Did any lender work with you?

A simple budget with three columns, fixed, flexible and optional, made decisions faster.

Thanks for writing this out. I went through something close to it last year, and it got easier once I kept a simple log of every call and form.