Budget after a layoff: what did you cut first?, accounts payable clerk here

We are a household of 18 and need to cut costs quickly. I worked as an accounts payable clerk before this. I listed every subscription and found several I forgot. Did any lender work with you?

Subscriptions first, then the phone plan. I saved about $200 a year just by switching to a cheaper plan.

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