Hi Determined,.
I know EXACTLY what you're going through. It seems to be the story of my life, also. As soon as I get a little nest egg going to save for emergencies or just to save-something happens that's very expensive or I lose clients.
It's extremely aggravating.
The good new is, Determined, I always pull through it just like you probably always pull through it so don't panic.
I think you're going to be fine. You'll figure something out for everything. You can get some electrical space heaters (be careful) which is what I did last year.
You'll put out what you can afford as far as your daughters graduation is concerned-when the time comes (isn't graduation in June?) and you can pay off the dentist bill in small increments until your other finances get paid off.
As for the car and gas-I've learned to use my car for going to work only. Maybe you can cut down on other traveling you do in your car and if possible take a walk, bike ride or public transportation instead?
It's going to be okay. ((((((Determined)))))))