Trimming expenses while I search after 13 years as a security officer

We are a household of 13 and need to cut costs quickly. I am in Detroit, in case local advice matters. I am nervous about the credit card minimums. Did any lender work with you?

Subscriptions first, then the phone plan. I saved about $300 a year just by switching to a cheaper plan.

A simple budget with three columns, fixed, flexible and optional, made decisions faster.