During a government shutdown, it is important to take steps to protect your finances and seek immediate help if needed. Here are some actions you can take:

1. Contact your creditors: If you are unable to make payments on time, contact your creditors to explain your situation and ask for assistance. Many companies have programs in place to help customers during times of financial hardship.

2. Seek immediate help: If you are struggling to pay for basic necessities like food, rent, or utilities, reach out to local agencies or churches in your area that can provide immediate assistance.

3. Postpone large purchases: If a government shutdown is looming, it is best to postpone large purchases until the situation is resolved.

4. Cut expenses: Cut your expenses well in advance of a government shutdown or other economic downturn. You might use these savings to pad your emergency fund and rainy day fund, which could help you weather the financial storm that could come with a future government shutdown without having to take out debt or sell your existing investments.

5. Stay informed: Keep up-to-date with the latest news and developments regarding the government shutdown. This will help you plan and prepare for any potential impacts on your finances.

If you are a federal employee, you may be furloughed or temporarily laid off during a government shutdown. Essential personnel whose funding is not dependent on annual appropriations bills – such as military service members, law enforcement agents, and air traffic controllers – continue to work without pay. If you are affected by a government shutdown, you can contact your agencys human resources department for guidance on what to do next.