What to do when finances change?

I’m lost and overwhelmed. COVID hit us hard. We’re responsible, minimalistic people. Maybe not frugal, but never excessive.

We have enough to get by month to month, but only enough. Right now all of our money goes to bills and then reserve (i.e. future bills). We aren’t saving (due to COVID cut backs)

I’m worried something will happen and we won’t be able to get back on our feet (car will break down, house need repairs). I think I’m good with money, and I account/save for EVERY expense - oil changes, new shoes, etc.

I generally have three account: checking for bills, reserve for things we will need (oil changes, new shoes/clothing, etc - I literary have them earmarked by their purpose) and savings (for emergencies or big items, like a down payment on a house or car)

But things are tight, and i don’t known where I should put money. Should I be saving for oil changes and new shoes (expenses i know will come) when we are struggle with food? ($45 a week for two people, including house items like toilet paper)?

Should I be pulling from emergency when I’m not sure that is an end in sight (there’s only $1200 in there) .

Should I be using credit - I normally don’t go near credit. We have good credit scores and no credit debt (except our house).

Should I be selling things? We only have one car, so that’s not an option. Our mortgage is the same as rent would be, but less chance of bad things happening if we rent.

Does anyone have examples of frugal budget or ratios or anything?

Reading old posts, most things seem to take money to be frugal in the long term (I want a bidet to cut on toilet paper, but don’t have $30 to get it right now). Thank you,