I used that website yesterday, very handy and saved me a lot of hastle. I got a new job and it turned out to be horrendous with what they were expecting. Everyone has said how unfairly I got treated and couldn't believe they can get away with it. I used the site to find out where I stood at leaving .. turns out I could just walk out :D
As for not being able to afford staff .. I think that's when you have to make them redundant, this is quite a good site about that issue.
http://www.adviceguide.org.uk/index/life/employment/redundancy.htm#about_this_informationForgive me if I'm wrong.