We may not be able to do much about the government's welfare reform and budget cuts, but we can make changes in our work to help counter its effects. One way to do this is to change the way you work - if losing child benefits and child tax credits will hit your family too hard, put pen to paper and see if reducing your hours will kill two birds with one stone - give you more work-life balance, and save you money you would lose from the cuts, and in tax.