The Federal Government Shut Down is Frustrating – But Don’t Despair!

A federal shutdown can disrupt pay, base services, and daily routines. Follow these steps to protect your family’s finances and well-being.

What to Expect:

• Active-duty pay continues but may be delayed—often the second paycheck after the shutdown begins.
• Base services and civilian support can be reduced or closed without notice; available programs vary by installation.

Immediate Actions:

• Confirm upcoming pay dates and check your direct deposit before spending.
• Create a short-term budget that covers housing, utilities, groceries, childcare, and prescriptions. Pause nonessential subscriptions and purchases.
• Contact creditors before due dates to set up hardship plans or payment extensions.
• Visit your Military & Family Readiness Center for financial counseling and local updates.

Financial Assistance Options:

• Service relief societies (AER, NMCRS, AFAS, CGMA) offer grants, interest-free loans, and counseling. They assist members of any branch.
• Military-friendly credit unions and banks (Navy Federal, USAA, PenFed) may provide 0% interest or payroll-advance programs; enrollment rules may apply.
• Installation nonprofits and programs (Armed Services YMCA, commissary hardship funds) often expand food and bill-assistance during shutdowns.

Healthcare, Childcare, and Base Services:

• TRICARE and military pharmacies operate, but routine or elective care may be limited—confirm appointments.
• Commissaries and Exchanges generally stay open; nonessential store hours and programs can change.
• Child development centers, school liaison offices, and family readiness groups may adjust hours—check with your Family Readiness Center.

Who to Contact:

• Chain of command for mission-critical guidance.
• Military & Family Readiness Center for emergency assistance and referrals.
• Service relief society office (AER, NMCRS, AFAS, CGMA) for grants or zero-interest loans.
• Your bank or credit union for paycheck advances or hardship programs.
• Base legal office for lease protections, eviction questions, or family law matters.

Parting Advice:

• Use loans and grants for genuine emergencies; prioritize non-repayable aid first.
• Keep records of all communications, approvals, and benefit changes.
• Monitor official channels and your Family Readiness Center—programs and guidance will evolve as the shutdown continues.
• Stay flexible and don’t panic. This too shall pass.

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