Budget after a layoff: what did you cut first? after 4 years as an electrician's helper

We are a household of 4 and need to cut costs quickly. I would rather hear the honest version than the polite one. Rent and the car are the biggest costs. Did any lender work with you?

Subscriptions first, then the phone plan. I saved about $650 a year just by switching to a cheaper plan.

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