Preparing for a Government Shutdown

As we approach a period where the possibility of a government shutdown looms on the horizon, it is crucial to take proactive steps to ensure that you and your family are well-prepared for any disruptions that may occur. Here is a checklist to help you get ready.

Financial Readiness

☐ Calculate 1–2 months of essential expenses

☐ Build or add to an emergency fund

☐ Keep savings in easily accessible accounts

☐ Reduce non-essential spending now

☐ Keep $300–$1,000 in cash if possible

Bills & Credit

☐ List due dates for rent/mortgage, utilities, loans, and credit cards

☐ Contact lenders and utility providers about hardship options

☐ Ask your bank or credit union about shutdown relief programs

☐ Set minimum payments on auto-pay if funds allow

☐ Avoid payday loans and high-interest cash advances

 Employment & Records

☐ Save recent pay stubs and W-2s (digital and printed)

☐ Keep a copy of your SF-50

☐ Save your furlough notice when issued

☐ Confirm your personal contact information is up to date

☐ Know whether you are excepted (essential) or furloughed

 Benefits & Assistance

☐ Check eligibility for state unemployment benefits

☐ Understand how health insurance premiums are handled

☐ Research emergency assistance options:

• Federal Employee Education & Assistance Fund (FEEA)

• Agency-specific relief funds

• Credit union emergency loans

  
  

Household Planning

☐ Discuss temporary spending changes with your household

☐ Delay major purchases and discretionary travel

☐ Plan for childcare, commuting, or schedule changes

☐ Refill critical prescriptions early if permitted

 Stay Informed

☐ Follow official updates from your agency and OPM

☐ Bookmark your agency’s shutdown FAQ

☐ Verify information before acting

☐ Re-check guidance weekly

After the Shutdown

☐ Re-budget once pay resumes

☐ Replenish emergency savings first

☐ Catch up on deferred bills

☐ Note lessons learned for future planning

Important Reminder:

Back pay is common but may be delayed. Plan as if income interruptions could last longer than expected.