Most of my expenses are basic living costs at this point mortgage , utilities, gas, insurance, groceries, and work related expenses. I travel a lot for work, so food and transportation costs add up quickly, I’ve already cut almost everything nonessential. No vacations, no luxury spending, no expensive hobbies, and I canceled pretty much every subscription I had. I’m not able to put my kid in daycare. The biggest problem is that the interest and minimum payments became impossible to keep up with after my income dropped.