Budget after a layoff: what did you cut first? after 18 years as an accountant

My income dropped to unemployment benefits and my bills have not changed. It has been weighing on me all week. I listed every subscription and found several I forgot. What did you cut first?

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

A simple budget with three columns, fixed, flexible and optional, made decisions faster.