Budget after a layoff: what did you cut first? after 9 years as an insurance claims processor

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 helped the most?

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

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