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Try turning off the anti-virus. If you don't have the internet open at the same time, it can't hurt.
The only thing I know for sure breaks a sims1 lot is moving or deleting the mailbox. That means the bills won't come, but the house will still keep track of how many there should be, and treat the family as delinquent.
Another thing that could happen was, that you could lose more skill points than the sim had, after which he would never be able to advance that skill again. That sucked hard!
Ugly is in the heart of the beholder.
(My simblr is
Sim Media Res .
Widespot,
Widespot RFD: The Subhood, and
Land Grant University are all available here. In case you care.)