While the budget cuts are being made in Washington, Loida Stack is among the thousands in Military City USA who will be feeling the pain.
"You got a house, a car to pay, you know, and insurance," said Stack, who's husband works at Randolph AFB.
He's facing one unpaid day off a week, according to Stack, as the furloughs begin to hit home.
For government employees being furloughed, it can mean losing 20 percent of their paycheck.
"I can't imagine losing 20 percent of my pay," said Sonya McDonald, vice president of sales operations at Randolph-Brooks Federal Credit Union.
She estimated as many as 10,000 RBFCU members will be affected by the across-the-board budget cuts and furloughs.
"Our job is to make this as easy as possible to ease into the idea of living with less," McDonald said.
The credit union is offering members affected by sequestration options. They may take out low-interest loans with no payment due until December, and they may cash in certificates of deposit without penalty.
"We know that members put emergency funds into certificates, and this is an easy way to bridge that gap," she said.
Other financial institutions are offering similar assistance to their customers, including USAA and Navy Federal Credit Union.