Budget after a layoff: what did you cut first? after 16 years as a dental hygienist

We are a household of 16 and need to cut costs quickly. There are 16 people counting on me, so I am trying to be careful. I listed every subscription and found several I forgot. Did any lender work with you?

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

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