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

We are a household of 13 and need to cut costs quickly. I am in Albuquerque, in case local advice matters. Rent and the car are the biggest costs. Did any lender work with you?

Thanks for writing this out. I went through something close to it 8 months ago, and it settled down once I kept a simple log of every call and form.