Budget after a layoff: what did you cut first? after 17 years as a social media manager

We are a household of 17 and need to cut costs quickly. I have been trying to stay organised about it. I am nervous about the credit card minimums. Did any lender work with you?

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

Keep everything in writing and save the confirmation numbers. It saved me later.