In reply to anonymous123:
So whilst everyone else is bickering about the morals of dirtbags/ Scumbags or reminiscing about the good old days of the dole, I'm going to go for some boring practical "advice".
Make the NHS work for you....you have put in the hours training, and the slave labour on placement along the way, so work out a way to make the NHS pay for the lifestyle you want, it is no where near as bad a place to be when you have some control.
AGENCY vs NHS BANK - On the face of it Agency always seems to be the better earner than Bank, however the calculations aren't quite as straightforward as all that. You will often be self employed as Agency so, no Annual leave, whereas bank you get a legal entitlement to 5.6 weeks (pro rata) statutory leave a year. On the NHS Bank you can continue trickling into your pension with the NHS contributing 14% to your 7-9% contribution, that is a massive boost to your hourly rate even if you won't see it for 40+ years, if you are thinking of just taking a year or two career break then consider Agency, if this is a longer term lifestyle choice then consider NHS.
NHS Bank Terms vary from trust to trust, so watch out and do your research. Some trusts pay you the bottom point of your pay band regardless of how many years experience you have (which is just plain out of order, and then the managers and government have the cheek to whinge about the cost of Agency staff), others (my trust) recognise your pay point and have a clear (contractual) pathway for bank workers progression up through the pay points.
I worked a combination of agency and NHS bank for the first 6 months, and then settled for just the NHS bank (closer to home, familiarity with working practices, new the people I was working with, nicer area etc.).
UNSOCIAL HOURS - Never underestimate the power of unsocial hours to boost your pay, if you work 12 hour shifts over the weekend, get your extra 30% for Saturday and 60% for Sunday, you have bought home almost a weeks salary! When I go back after having my Baby, I intend to only work Sundays (12 hours), on the bottom point of band 6 working every Sunday will earn me approx £13k a year (without any child care costs, and minimal income tax to pay)...Not bad...in 6 or 7 years time when I get to the top of band 6 it would bring home £17k a year (why would I ever work more than a day a week again?!). I have multiple spread sheets going on excel for what different shifts/ combos of shifts are worth to me....so get number crunching!!
SAVINGS - Before going on the Bank, I spent a nearly a year trying to negotiate part time work/ reduced nights, but work just wouldn't entertain it. I also spent this time saving hard, so that when I started on the Bank I had enough savings to live (basically) off for 12 months without working. Certainly don't go into it with any debts, buy you van outright etc. and it will seem a whole lot easier and less stressful. And know your rights, if you earn enough regularly enough, even as a zero hours worker (Bank may be slightly different to Agency) you are entitled to things like Statutory sick pay, Paternity, maternity. I am currently going via the HMRC (and seem to be winning), as my trust is refusing to pay up.
Grow thick skin, you will come across anti agency staff and staff/managers who just don't like the fact that you are brave enough to do something different from the 40+ years of 37.5 hours a week that they settle for. I sometimes feel like I am being punished for doing things differently.
You are a fair bit younger than me, I have been in the NHS 18 years (half my life) and I am ashamed to say that I had become institutionalized to the NHS and it's ample terms and conditions, and had to give myself a big kick up the backside, and remind myself that many of my friends work freelance/ self-employed in the outdoors and offshore industries and they manage to have mortgages and kids, and get by like this for years. Don't let yourself get trapped in the NHS!!!
Live in your van between shifts (not sure if that was your plan anyway). Several of my colleagues who have been stitched up at the beginning of there careers and placed in Ambulance stations miles from home (management seem to like doing that to their staff), just live out of there vans between shifts, Hospitals all have showers, you can get a travel iron and a mini ironing board to use in the changing room, and you'll be laughing.
Hope that helps, it's well worth doing