Thousands of people are suffering through furloughs because of the government shutdown which has left many wondering how they are going to pay their bills.
Kansas State University Financial Planner Elizabeth Kish gave some advice and said the first priority should be your health and safety.
Kish said "when you're trying to decide what to pay first, first of all you want to think about things that are going to keep the roof over your head so you want to keep your water on, your electric on, you want to eat. Those are the basics."
Experts also said to make sure you are paying your health insurance and budgeting money for gas. People should also think about things they can cut back on, like eating out, to save a little money.
The next thing to think about is how to pay creditors.
If there is not enough income to afford monthly payments experts suggest calling and arranging a payment agreement before the payment is late.
They said to be sure to budget for what you can afford so you are making a reasonable plan.
"Don't say oh I can pay you $250 by next Friday when you really have no idea where that money's coming from," said Kish.
"Be up front with them because as soon as you make an agreement and don't stick to it, then that is worse for you than if you said well I really can only pay $50, but you can really do it," she said.
She also suggested using this time to have a garage sale or sell unwanted items on EBay or Craigslist.