Found a softlock, if at 5:00pm you peep on Flora in the shower then proceed to help her make chili downstairs (still at 5:00pm) she will send you to get her phone. You can no longer get into the bathroom to get said phone as Flora is according to the game still inside the bathroom and tells you to get away from the door.
Afraid The only thing I can recommend on the money end is to just keep going through every location available and hunt for it, I personally spend the first week or so not doing any quests and just collecting resources. That means gathering money as well as farming laundry detergent and tissues to trade for other consumables in the desk in the English room. As far as the doughnut thing I'm not sure which one you are referring to. The only ones I've seen are where you buy them so the guard will leave his post and the one where you steal them to get Jacklyn to do an art project. Both seem pretty straight forward. If you could explain your issue I might be able to help.