When the government shuts down, it doesn’t just stall politics—it impacts real people and families. Federal employees often face two difficult situations: being furloughed without pay or being deemed essential workers who must report to work without receiving paychecks until the shutdown ends.

This financial uncertainty is stressful, but you can take steps to stay afloat and protect your finances during this period. Whether you’re temporarily without income or working without pay, here are practical tips to help you navigate this difficult time.

1. Prioritize Your Essentials

Your first step is making sure you can cover housing, food, utilities, and transportation. These are your non-negotiables. If money is tight, cut back on discretionary spending like dining out, subscriptions, or shopping.

💡 Tip: Call your providers (utilities, phone, internet) and ask if they have hardship programs. Many companies offer deferred payments during shutdowns.

2. Tap Into Your Savings (If You Have Them)

If you’ve built up an emergency fund, now is the time to use it. Emergency savings exist for exactly these situations. If you don’t have savings, don’t panic—there are still resources and strategies available.

3. Contact Your Lenders & Creditors

Banks, mortgage companies, and credit card issuers often have forbearance or deferment programs for federal employees during a shutdown. By being proactive and explaining your situation, you may be able to temporarily pause or lower payments.

💡 Tip: Document your federal employment and furlough/essential status. Some lenders will fast-track assistance when you provide proof.

4. Explore Community & Federal Relief Options

Local credit unions, nonprofits, and even federal relief funds sometimes step in to help impacted employees. For example, federal credit unions often provide no-interest loans or small grants for members during shutdowns.

Check with your union, HR, or professional organizations to see what’s available.

5. Adjust Your Budget for Shutdown Mode

Think of this as your “survival budget.” Focus only on the most essential categories. Eliminate or pause unnecessary expenses such as:

• Gym memberships

• Streaming services

• Subscriptions and auto-renewals

• Non-essential shopping

This not only saves money now, but also reduces financial stress later.

6. If You’re an Essential Worker, Plan for Delayed Paychecks

For those required to work without pay, it’s crucial to:

• Communicate with your household about when money will actually come in.

• Track all essential spending carefully.

• Avoid relying too heavily on credit cards unless absolutely necessary (to prevent high-interest debt).

7. Consider Short-Term Side Income

If you’re furloughed and allowed by law, consider picking up temporary work or a side hustle. Options include:

• Food delivery or rideshare driving

• Freelance work (writing, design, tutoring)

• Seasonal or part-time retail jobs

Even a small income stream can bridge the gap.

8. Plan Ahead for the Future

While this moment is stressful, use it as a wake-up call. Government shutdowns can happen again, and preparation is key. Once pay resumes:

• Rebuild (or start) your emergency fund

• Automate savings for at least 3–6 months of expenses

• Reassess your spending priorities

• Consider creating multiple sinking funds for big expenses

Final Thoughts

Being a federal employee during a government shutdown is incredibly stressful, but you’re not powerless. By prioritizing essentials, seeking relief, trimming expenses, and creating a survival plan, you can weather the storm.

And remember: this season will pass. With the right preparation and smart money moves, you’ll not only get through this shutdown but also come out stronger and more financially prepared for whatever comes next.