Budget after a layoff: what did you cut first? after 16 years as a welding apprentice

I have 14 months of savings and I am trying to stretch them after being let go as a welding apprentice. Thank you in advance. 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.

Keep everything in writing and save the confirmation numbers. It made the follow-up calls so much easier.