Start with housing and utilities, as keeping a roof over your head and the lights on is the priority. Make sure to pay accounts on time to avoid late fees or service interruptions. Double-check due dates, since some landlords and service providers may have paused collections during the shutdown. Review statements and confirm what you owe before making payments. 

Stay in touch with creditors if you are still catching up. Reach out early to explain your situation and inquire about repayment plans or hardship options, as most companies prefer to work with you rather than send your accounts to collections. Explore local or federal assistance programs if you need help covering essentials, as programs for utility relief, food assistance, and emergency housing may be available.