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Nursing salaries are down almost 10% due to a combination of take home pay falling, and pension contributions increasings, a new survey suggests.
Nursing Standard said pay had dropped by 9% in real terms since 2010.
All public sector pay rises are capped at 1%.
Nurses are being forced to resort to increasingly desperate measures to save money, with many being forced to take second jobs and make large lifestyle sacrifices, a survey for Nursing magazine Nursing Standard has found.
Almost a third said they had gone without heating, a quarter had missed a credit card payment and 70% had not gone on holiday.
More than three-quarters said they had foregone haircuts or beauty treatments due to pay freezes.
Nurses are being forced to take on additional work and to borrow money from friends and family to cope with a real term drop in pay, a poll suggests.
A Nursing Standard survey of more than 1,200 nurses and healthcare assistants found more than half have taken on extra shifts to boost their income while one in 10 has a second job outside nursing.