OGDEN, Utah (AP) — Payday will come Friday without any checks for about 800,000 federal employees affected by the government shutdown, forcing workers to scale back spending, cancel trips, apply for unemployment benefits and take out loans to stay afloat.

IRS employee Krystle Kirkpatrick and her family, including her two children, ages 6 and 12, aren't eating out, buying brand-name foods or getting drinks at the gas station. Her husband is working overtime in his job as a machinist to try to make up for her lost paycheck.

Her mortgage company informed her it won't let her skip a payment, and s...