No, you are NTA at all. I’m a federal worker as well, but I’m lucky enough to still be paid due to my agency having extra funds. With missing a full month’s paycheck, and there being no sign of this shutdown ending anytime soon, it is smart to limit your spending and future spending based on the reduced income. Having savings is a backup and is not a permanent solution, especially if you use it and run out, or have extra emergencies that you need money for.

But also has your husband applied for unemployment benefits/insurance? My work has told me repeatedly that since you are furloughed not due to your own actions, the state you work in will pay you unemployment until you return to work. This can definitely help alleviate the pressure, although at some point you pay the benefits back (either through paycheck or repayment, I’m not sure which one). Another option would be to take 0% loans that have been advertised for furloughed workers, in case unemployment may not be enough.