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Government Shutdown Stalled Your Paycheck?

This October, the United States government shut down as a result over disputes on spending and healthcare.  The result of this was that many government workers were furloughed and their paychecks were delayed.  In addition, many others who depend upon contracts or revenue from government spending also found themselves with paychecks delayed or with smaller checks than they normally receive.

The effects of the government shutdown remain lasting, even though the shutdown has now ended and the government has reopened again.  For example, the Internal Revenue Service may now be unable to process refunds as quickly because the agency was not operational during the shutdown and lost time on getting computer systems ready for the tax season.  Many people count on the income from tax returns from the government in order to catch up on bills and meet expenses.  Unfortunately, because of the government shutdown, those who are waiting on their tax return refund checks are going to find themselves facing delays, just as workers might if their work schedule was impacted by the shutdown.

Help if the Government Shutdown Delayed Your Paycheck

If the government shutdown caused your paycheck to be delayed or if you are otherwise concerned about finances because of the delay in tax returns or loss of income caused by the shutdown, it is important to realize that there are solutions out there to help you.

One option that you may have is to make use of a site like Hotpayday, which is an online payday loan service that makes it possible for you to apply for a loan with information about your checking account and your employment status.  Qualifying for a payday loan through this site is extremely simple and there is no need for a credit check since your credit score does not matter when you are taking on a payday loan.

A payday loan is a short term loan that is meant to get you enough funds to last through until your paycheck comes.  Most people live paycheck to paycheck and cannot afford to wait weeks or even months to get their money as a result of a government delay problem.  A payday loan is able to solve this problem.

When you take a payday loan, you can get the money very quickly even if you have bad credit or no credit at all.  Most people are able to qualify for a payday loan and can do whatever they like with the money, from applying it to pay the bills for a lost paycheck to using the cash to buy something that you desperately need but were unable to obtain because you ran out of money.  For example, if you need money to pay your rent, to repair a vehicle that you use for work transportation, to take your kids (or yourself) to the doctor or to meet any other pressing need, a payday loan can be the right choice.

Since the shutdown is over, your paycheck should begin coming soon and you will, of course, eventually get your tax return despite the delays in doing so.  The payday loan just makes it possible for you to get through a tough financial time until you are able to get caught back up from financial problems that were caused by delays that were no fault of your own.  Taking out a loan is a way better solution than facing light fees, shut off utilities, a ding to your credit or other adverse consequences that can happen when you are not able to pay your bills on time.

Unfortunately, although the government shutdown is over, there is also talk of another potential shutdown on the horizon over the next budget fight.  Most politicians agree that another shutdown will be a bad idea and have promised to do what it takes to avoid this coming to pass.  There is never any guarantee though that there won’t be further gridlock in Washington D.C.  This means that even if you have been able to stay caught up through the last government shutdown, you may need help in the future.  Fortunately, there are always options available to you to buy you time and get you through until the paychecks start coming to you again.

Prepare for Another Shutdown

It could happen again.  Face it, the politicians can’t agree on much of anything.  The question is, will you be ready?  You saw how it affected you this time around.  It could be worse.  Make sure you get a financial plan firmly in place.  For more assistance and general information, click here.

Corey Wayne works in the banking industry approving car loans.  Her 8^th year on the job, she sees people in all sorts of financial shape.  You can learn valuable lessons by keeping up with her financial advice.

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