Determine how you can reduce costs to find ways to make your cash last. Take an inventory of your household bills and determine where you can cut costs. Also, check your financial emergency fund to see how long your savings can cover a prolonged shutdown.
 

• Reduce how much you dine out or get takeout.
• Pause or unsubscribe from streaming services and publications.
• Use coupons when shopping.
• Reduce your energy costs. 
• Shop around for insurance quotes to lower your monthly premiums for your vehicles and homes.
• Put off large non-essential purchases.

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If you are a homeowner, reach out to your mortgage lender to see what options are available during the shutdown to help with your mortgage payments. You may also want to consider renting a room in your house to bring in additional income during this time. 
 

If you have trouble paying your mortgage:

• Reach out to the U.S. Department of Housing and Urban Development to learn about support from certified housing counselors.

• Visit Homeowner-Help.org, a free online tool that connects homeowners with resources and assistance when facing financial hardships.

• If you are a renter, think about finding a roommate to share expenses, or consider moving in with family members or friends until you can get back on your feet. For help with rent, contact your landlord or leasing office and visit the HUD rental assistance page to access support options.

Explain your situation and see what assistance they can offer during the shutdown.

These are trained professionals, prepared to help you assess your situation and evaluate the best financial options to consider for support.

• American Consumer Credit Counseling
• Association for Financial Counseling and Planning Education
• National Foundation for Credit Counseling

Local food banks, soup kitchens and the like exist to help people during challenging times. Check out FeedingAmerica.org or 211.org to identify and connect with local support.

 

For more financial tips, visit ABA Foundation's Manage Your Money webpage.