Trimming expenses while I search after 8 years as a barista

We are a household of 8 and need to cut costs quickly. I am nervous about the credit card minimums. Did any lender work with you?

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

Thanks for writing this out. I went through something close to it last year, and it got easier once I kept a simple log of every call and form.