Trimming expenses while I search after 18 years as an office manager

My income dropped to unemployment benefits and my bills have not changed. This is my first time dealing with any of this. I am nervous about the credit card minimums. Did any lender work with you?

Subscriptions first, then the phone plan. I saved about $700 a year just by switching to a cheaper plan.

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