Budget after a layoff: what did you cut first?, hotel front-desk agent here

My income dropped to unemployment benefits and my bills have not changed. Any experience at all would help. I am nervous about the credit card minimums. Did any lender work with you?

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

Subscriptions first, then the phone plan. I saved about $100 a year just by switching to a cheaper plan.