Budget after a layoff: what did you cut first? after 16 years as an HR coordinator

My income dropped to unemployment benefits and my bills have not changed. It has been weighing on me all week. Rent and the car are the biggest costs. Did any lender work with you?

Subscriptions first, then the phone plan. I saved about $550 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.