Budget after a layoff: what did you cut first? (Tampa)

We are a household of 12 and need to cut costs quickly. I am nervous about the credit card minimums.

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

Thanks for writing this out. I went through something close to it 13 months ago, and it settled down once I kept a simple log of every call and form.