Is anyone else finding it hardgoing living on an M1 salary? I know £21500 is more than a lot of people get paid and I shouldn't complain - even though I think if I worked out my hourly rate based on how many hours I work, I doubt it would look very impressive. But living alone, forking out for rent, council tax, bills, student loan, pension contributions, car tax and insurance, petrol, food etc means I can't do much else. I really want to go away over Easter and have a proper holiday but it's looking really tight. I've taken on one-to-one tuition and am considering marking exams in the summer to earn a few extra pennies, but it still seems hard. What's worrying me is that with the pay freeze they'll stop people moving up the pay spine until the freeze is over, which potentially means being on M1 for at least another year. Apparently "a decision is yet to be made" about that but with the announcement this morning that inflation is at 3.3%, the pay freeze alone - coupled with VAT in January - isn't going to make things any easier.