Local government workers protesting
Media playback is unsupported on your device
Video

Firms turn to 'downbanding' to cut costs

As government cuts begin to bite, many employers are offering staff a choice between losing their jobs, or taking a pay cut.

It is a process that has become known as "downbanding".

Graham Satchell went to meet one woman who has had to make a choice between the two options.

Go to next video: Council accused of planning more cuts