Budget after a layoff: what did you cut first?, barista here

My income dropped to unemployment benefits and my bills have not changed. I am in Minneapolis, in case local advice matters. I listed every subscription and found several I forgot. Did any lender work with you?

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

Thanks for writing this out. I went through something close to it last year, and it settled down once I kept a simple log of every call and form.