It might seem like a paid vacation for the 500,000 federal workers on furlough.
They've been out of work since last week and were promised back pay once a budget is passed and the government reopens.
But for many rank-and-file employees who live paycheck to paycheck, the shutdown is proving to be a massive financial headache. Some say their savings have been wiped out after a three-year pay freeze and a previous round of furloughs during the summer.
The nation's ideological battle over healthcare and spending is hitting these workers in the pocketbook. They're falling behind on rent, car payments, credit-card debt and other bills.
"I am in survival mode," said Timothy Maimone, a furloughed quality assurance specialist for the Department of Defense. "I am barely squeaking by right now."
The 51-year-old Mission Viejo resident said he earns just enough to cover the mortgage on his house, pay bills and take care of his 7-year-old son. But the first government shutdown in nearly two decades has him stressed and angry about money.
A single dad with no savings, he's prioritizing bills in case the shutdown goes on for weeks. He's already missed his monthly credit card payment and is late on the mortgage. He's stopped paying the trash bill and only shelled out the minimum to keep the water on. And he's holding off on buying clothes for his son, Salvatore.
Workers like Maimone have been told their last paycheck from working before the shutdown could arrive soon. Even then, they'll get paid only for the days they worked and not the furloughed days that will be settled up later. There won't be another check until the government reopens.
The pain is also spreading to the private sector as many companies with government contracts begin sending workers home.
Aerospace Corp., based in El Segundo, furloughed about 2,000 workers. San Francisco engineering company URS Corp. has about 3,000 employees on furlough.
The furloughs are costing the economy at least $160 million per workday, according to market research firm IHS Inc. If the shutdown continues beyond three or four weeks, economic growth could be cut in half in the last quarter of the year, Moody's Analytics said.
The federal government had about 2.15 million people, excluding postal workers unaffected by the shutdown, on its payroll in August, according to the government. California alone has about 243,000 federal employees.
"They are middle-class Americans," said Colleen Kelley, president of the National Treasury Employees Union, which represents about 150,000 federal workers. "They are frightened about what this means to their families. Many are the sole supporters of their families."
Kelley's union represents workers from 31 federal agencies and departments such as the Treasury and Homeland Security. She said about 40% of the union's members take home a salary less than $50,000 a year.
"There are tens of thousands of workers who don't have backup plans or a support system," she said.
Even those who do have savings are counting their pennies.
Malcolm Gettmann, 59, and his wife have both been furloughed from their jobs at the Internal Revenue Service in San Diego. Like many other furloughed workers, the pair have filed for unemployment benefits and are scrambling to tighten their belts.
The couple, who have some savings, said they don't plan to make big purchases any time soon. Instead, Gettmann said, they now meticulously plan meals and buy only those groceries that are on sale. There is just enough to cover their $1,600 mortgage payment and expenses until the third week of November.
He's not at all impressed by a House bill passed Saturday that guarantees back pay to workers once the shutdown ends.
That pay is only approved "when the Senate passes it and the president signs it," noted Gettmann, who also serves as the Treasury union's chapter president for San Diego and Imperial counties. "Meanwhile, the mortgage is still due, the car payments are still due, everything is still due."
However, government workers might be getting some relief on their bills.
Major banks such as Wells Fargo & Co. and PNC Bank say they're working with customers individually. Others, such as TD Bank, are offering no-interest payday loans.
On its website, JPMorgan Chase & Co. said it was ready to help on "financial challenges that might arise — much like we worked with our customers through Hurricane Sandy and tornadoes in Oklahoma."
Many credit unions have gone even further to help.
Navy Federal Credit Union, the largest credit union in the U.S., is expediting approval on raising credit card limits and letting members withdraw from certificates of deposit without penalties. Financial services firm USAA is offering payment deferrals and refunding some fees on credit cards and other services.
Pacific Marine Credit Union in Oceanside, Calif., plans to post payrolls for all affected members with direct deposit Oct. 15. If the government doesn't come through, the payments will come out of the union's own cash reserves, said Brad Smith, the vice president of strategic development. Depending on how much is left in the coffers, the union will consider making another payment two weeks later if the shutdown continues.
"We want to provide that peace of mind," Smith said.
Smith, who worked at another California credit union during the 26-day shutdown in 1995 and 1996, said workers are suffering more this time around.
"There was a much different environment during the Clinton era. Back then it was unprecedented," he said. "Now the government has a track record with furloughs and the sequester. It seems like every time you turn around they want to run off the edge of a cliff."
Twitter: @rljournoCopyright © 2015, Los Angeles Times