Get a second job. Dougan says workers who have a financial cushion may spend furlough days with their families, pursuing hobbies or tackling household tasks. "But there is a significant part of the federal workforce that doesn't really have enough of a financial buffer," he says. "Many of those people will be looking at opportunities for part-time work to fill that one day a week and make up those lost wages."
Apply for help. Federal employees experiencing financial hardship can apply for grants, no-interest loans of up to $1,000 or college scholarships through organizations like the Federal Employee Education & Assistance Fund. Dougan, who serves on the FEEA board, says numerous federal employees have called FEEA asking about potential assistance. "FEEA is anticipating trying to make a whole lot of money available to folks," he says.