Fascinating thread - similar story here, born in the 50's, I remember when we finally got an indoor toilet & a fridge, parents only got a phone when I was in my 30's, before that they had to go to the sweet shop, who had a pay phone in the corner.
Very few clothes- school uniform, trews (remember them?) and T-shirt to change into after school, and nice clothes to wear for church on Sundays.
One gas fire downstairs, ice on windows in winter, electric blankets and hot water bottles, freezing cold bathroom so getting washed in the morning in the kitchen sink cos it was warmer downstairs.
Beans on toast for tea on Thursdays (pay day) because when dad got home with the weekly brown envelope the shops were already shut (they all closed at 5pm). I remember my dad sitting up most of the night in the early 70's because the firm he worked for was going bust and he thought we might lose the little back to back house we lived in. Luckily he was only unemployed for a few months and got a factory job where he went on to become a foreman. My mother had a lunch time job doing playground duty in a primary school, she'd been a seamstress but the clothing industry in the North collapsed. I remember sitting at the top of the stairs listening to them talking about money worries (I was supposed to be in bed)
When I went to grammar school I finally saw how the other half lived - and I wanted that life, I worked incredibly hard and I made sure I got skills and qualifications that would mean I could always feed, house and clothe me and my dc.
I'm now retired, ok for money, but I can't shake off the worry that it will run out and / or I'll make the wrong decision and lose it. My exH, OTOH, grew up v comfortably (private school etc) and has an inner confidence about always having it that enables him to to take risks, borrow huge sums that he's sure he will be able to pay back etc.
All of my friends who grew up like me have that same worry - we all hate dealing with institutions like banks, utility companies, the tax office etc. I get knots in my stomach when a brown envelope arrives. That's one of the legacies of growing up in poverty, for me - fear that at any point "they" can take away your security.