Nurses are taking on extra work and borrowing from friends and family after seeing their take-home pay drop in real terms, 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 o ne in 10 has a second job outside nursing.
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.
The magazine said take-home pay had fallen due to increased pension contributions while pay had dropped by 9% in real terms since 2010.
All public sector pay rises are capped at 1%.
One nurse told the magazine: "I shop on a tight budget and have even limited my toilet roll to two or three squares."
Another said: "Christmas must be cheaper this year. There is no money for life's little treats and I can only see it getting worse."
In an accompanying editorial, Nursing Standard editor Graham Scott said: 'It is no wonder that almost half the respondents say they have considered quitting."
The survey found just over a third of nurses had asked family or friends for a loan until payday while 6% had taken out a payday loan.
Some 11% said they had sent their children on fewer school trips to save cash. And 9% had missed mortgage payments or fallen behind on their rent.