i was talking about this recently and i think i worked out i would need to do yearly around 35 - 40 hours overtime just to cover all recent living costs going up ( energy been biggest ), and thats before the council ramp up there tax... i dont have to or need to do the overtime i was just getting annoyed at the fact i can either do it or take what seems a decent pay cut. is everybody else just sucking up the costs or will you be putting in overtime to take up the costs?