What to protect first
When there isn't enough to cover everything, order matters. Here's a calm way to decide.
🏠 Housing
A roof is the hardest thing to replace, so protect it first. If you can't pay rent or your mortgage, don't go silent — call your landlord or servicer, ask about a payment plan, and apply for rent/eviction-prevention help right away.
Rent & eviction help → Tenant legal aid →💡 Utilities
Keep the heat, power, and water on — especially with kids, seniors, or medical needs at home. Many utilities can't shut off during protected periods and offer hardship plans. Ask about budget billing and apply for energy assistance (LIHEAP).
Utility support →🍎 Food
Food is a need and a budget lever: using free food resources and SNAP frees up cash for rent and utilities. There is no shame in it — that's exactly what these programs are for.
Find food help (211) →💊 Medications & health
Don't skip essential medications or coverage to save money — a health crisis costs far more. Losing a job usually opens a special window to enroll in low-cost health coverage. Ask about generic drugs and patient-assistance programs.
Health insurance help →🚌 Transportation
You need to reach work, interviews, and appointments. Protect the minimum that keeps you moving — reduced-fare transit, rides to medical visits — before optional car costs. Keep insurance current if you drive.
Transportation help →📱 Communications
A working phone and internet aren't luxuries — they're how employers, benefits offices, and schools reach you. Before you cut service, check the federal Lifeline discount and low-cost plans so you stay reachable.
Low-cost phone & internet →