Making savings last after losing my job after 3 years as a school bus driver

We are a household of 3 and need to cut costs quickly. I listed every subscription and found several I forgot. 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 $1100 a year just by switching to a cheaper plan.