A terminally ill mum is now saving for winter fuel bills as well as her own funeral - and says the cold worsens the pain she has from bone cancer.
Mum-of-one Melanie Finlay, 48, does not know if she will live to see Christmas after being diagnosed with stage four metastatic cancer in March 2021.
She was given the all-clear from breast cancer in 2019 but pain in her bones was dismissed as hormonal in 2020.
Melanie, who worked for Police Scotland until she was signed off sick last year, is now receiving palliative care for cancer in her bones, lungs, hips, knees and bone marrow.
She is trying to tie up her finances to make life easier for husband Tom, 43, and is meeting a funeral director next week - expecting it will cost around £3,500 for a no-frills crematorium ceremony, after the couple spent £3,000 on a budget wedding in April.
The family rent a two-bed flat in Inverness, Scotland, which costs £550 a month and have a pre-paid energy meter.
They do most of their food shopping when yellow-label goods will have been discounted, and cancelled a Sky subscription.
Their gas and electricity previously came to around £300 a month but electricity alone is now costing nearly £100 a week, and Melanie is reducing how much she uses her electric wheelchair as a result.
"I've been saving up my money over the summer to pay off the funeral, nothing too elaborate," she said.
"I've had to start wrapping my finances up so my husband isn't burdened with them when I'm gone.
"We're on a prepay meter with our gas and electricity so we're already penalised but we rent the flat so have no choice in that."
She is currently receiving weekly chemo at hospital and pain management through the palliative team at the Highland Hospice.
Melanie, who grew up in the north of England during Thatcherism, said she believes the crisis now is worse than in her childhood and said she feels politicians have no interest in resolving it.
She hopes to be able to visit family in the Lake District to say goodbye and to give her seven-year-old son Joseph happy memories.
"We have got gas central heating but predominantly everything here is electric," she added.
"Last winter we had the heating on low all the time, if we needed a boost we just turned it up.
"The likelihood of being able to do that this year is pretty slim - I've been buying blankets and hot water bottles.
"Stuff like 'go into the office' tips on how to save money won't work, Tom works from home so he can care for me.
"There's always going to be somebody in the house. There is this attitude that you just need to ride it out.
"I grew up in north-west England during the Thatcher years and this is worse. I don't think the governments believe in it.
"The people running the governments are millionaires, they don't have to worry about money. I don't want to die, I want to spend time with my family and to give my child a good Christmas. I don't want to rely on Universal Credit or PIP but it keeps us going."
She praised colleagues at Police Scotland for their constant support and for checking in.
But she said she was having to make decisions like charging her electrical wheelchair less to save money.
"I have an electrical wheelchair," she went on, "I don't use an oxygen machine.
"I charge that at home, I haven't been charging it as much as I should be."
Aspirations she had like visiting New York will no longer be possible due to the finances.
Melanie has not been abroad since 2011 and said the family make do with days out close to home.
She added: "I'm hoping to go and see family in the Lake District before I go, it's just making sure we've got enough money.
"We don't have Sky and I cancelled subscriptions.
"I am one of thousands of people who are having to make these decisions."
