O
Octopus
My missus too. It was. ( her NHS pay) frozen, years ago. i think she gets 2% in two years time. Work out what inflation have been over those 5 years and you end up with a substantial payCUT. And a sore bum. Because everything else has gone up.
I set my ( self employed) rates as is, 5 years ago. i have dropped them 5% since. With inflation thats a bag of sh0!e.
I'm self employed too and wouldn't trade that for being employed at time soon.