In particular, it is uncertain what overtime rate people will be paid if they continue to work more than 35 hours a week.

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The Unite union says Greencore is abolishing premium rate overtime and bank holiday working payments and threatening staff with redundancy.

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Working weekends also means I get paid a higher rate of overtime.

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During production surges, workers may put in another 10 hours of weekend overtime, for which they get double-rate pay.

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For a professional caregiver who wants to work more than 40 hours a week at the regular rate (and many do), that option evaporates when overtime pay is required.

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I've shown repeatedly my willingness to work overtime to try to get them to do something to deal with this high unemployment rate.

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But you could, instead, look at ways of increasing your income, whether by looking for a better rate of interest on savings income, or asking for a salary increase or more overtime at work.

BBC: Pile of coins