1) Don't worry about the money situation. They will keep in confidential and you aren't the first student (I honestly don't think any of us here have ever NOT had money problems). To make sure you all are clear I would tell them everything.

2) You will most likely go up with your new instructor just to see where you are. Chances are you will repeat a lot of the things you have already learned. But that is not a bad thing and will help you come checkride time.

3) If you can sit in on a ground lab by all means do it. The more prep you do on the ground by yourself the less money you will spend in the air and with your instructor.

Welcome back and good luck!