Oh and pension
Might as well not worked for the last 8 years, with the 'new' pension we've been shafted with, effectively my clocks been reset to year 0 + we have to put more in. So by the time I get to use it a) it'll be a misely amount & b) I'll be payin it to a carehome!!
I guess an "advantage" that most of us in the private sector have is our pensions were screwed years ago when the DB pensions were all closed long before the recession, so we've been on DC pensions for 10yrs or more, and accept that its not worth much. Luckily I froze my old DB one, rather than transfer it into a DC.
The other "advantage" of private sector is we took the hit earlier in the recession, no pay rises for several years (6, I think), but as we possibly, slowly, maybe pull out of recession, we are seeing small rises - still way below inflation obviously. The poor buggers in the public sector have a lot of what we've been through to come

, although did OK-ish during the recession, so swings and roundabouts.