Budget after a layoff: what did you cut first? after 13 years as an accounts payable clerk

My income dropped to unemployment benefits and my bills have not changed. It has been weighing on me all week. I am nervous about the credit card minimums. Did any lender work with you?

Thanks for writing this out. I went through something close to it 14 months ago, and it got easier once I kept a simple log of every call and form.

Subscriptions first, then the phone plan. I saved about $800 a year just by switching to a cheaper plan.