I grew up in basically the situation the OP describes and my dad, a high-school teacher, bringing in the only income for the family, never touched any of the things mentioned in #3.

He was a post-polio survivor with a permanent limp from the disease. He needed lifts in his shoes. He had a shoe guy that made his custom stompers. Some would call that shoe guy a cobbler. In any case, as a classifiably disabled person, he didn't do handyman stuff at all. If the plumbing or electrics went out, he called a plumber or an electrician to handle it.

He always had some money tucked away for that sort of problem.

I'm the youngest of three siblings and through my highschool years, my dad was the only earner in the family.

I lived through exactly what OP describes.