I'm 35, an NHS Staff Nurse (I work on a Adult Surgical ward).
I was full time until last year; top band 5 on £26K - had been nursing for 7 years - i think it was a very good salary compared to what friends & family in other demanding jobs earn.
Now i've got chronic serious health problems so i'm only able to work 2 days a week - so get approx £900 net including unsocial hours pay.
That is still very good for just 2 days. I now receive lowest rate DLA so can apply for other benefits to top it up & therefore pay the bills.
I'm single; & don't have children yet so only myself to worry about though.
I watch every penny now obviously - but i didn't before i got ill; i had a fairly good lifestyle to be honest.
Personally i'm not complaining - i trained for 3 years to Adv Diploma level at uni to get my Registration & lived on a Bursary.
I worked bank shifts on a wide variety of hospital wards as an HCA to meet all my living costs but it was well paid & good experience that enhanced my training. After qualifying; my Trust paid for me to 'top up' to a BSc.
I've paid into the NHS pension since i was an HCA; as a full time SN i had 28 days paid Annual Leave + the 7 'bank holidays'.
Before i got ill i could also work paid overtime shifts on my ward.
When i became ill April '11 i got 6mths full pay sick pay; then 6mths half pay + SSP - because i'd worked there for years.
The pay & conditions may now change under this govt.
I've always found it annoying that compared to similar professions such as Police, Firemen, Social Workers; Physios; OTs & Teachers - most ordinary 'Adult Nursing' Staff Nurses on wards receive less pay than them.
The majority of students are now encouraged to do the BSc at uni which they don't get any Bursary for: only Adv Diploma students get it. Also you can't 'top up' to a BSc for free now.
OP - I don't know how you get the £31K?? Even many Band 6 nurses don't get that; possibly the Nurse Practitioners get that much but they are like junior Drs. Do you live in London?
You can progress in your career but it depends on your willingness to change departments; & extra training courses that you may have to pay for.
The important thing is to make friends & get contacts in the right places - like all careers i think.
I'm not ambitious personally; i'm happy with my job level but struggling to cope with daily life due to cognitive problems that have got worse - i may have to work as an HCA instead which will be a shame but it's still basic nursing & i enjoy nursing - it's fun, interesting, challenging, rewarding & sociable!
I can't fault my Clinical Leaders - they have supported me through everything; even the Managers have been understanding & that is unusual even in the NHS; most other places would have made me redundant by now - so i know that i'm lucky in that respect so far.