Core Insights - A JD Power survey indicates that over half of respondents would consider skipping entertainment subscriptions and memberships during financial hardship, while 29% would consider delaying internet or cell phone bills, and more than one-quarter would avoid credit card payments [2][6]. Financial Prioritization - Essential expenses such as housing and utilities should be prioritized over non-essential bills like gym memberships [4][6]. - It is advised to make at least the minimum payment on credit cards to avoid significant harm to credit scores, as payments are reported to credit bureaus after being 30 days late [5][6]. Communication with Lenders - Individuals facing financial difficulties are encouraged to contact their lenders to discuss their situation, as lenders may offer grace periods or financial hardship programs [3][5][6].