I understand that money is an issue - but your best chance of getting this sorted is to find a sympathetic and competent doctor who can get you on the right medication and the right dosage. Easier said than done I imagine but I hope there is someone you can see. If you have been off hormones for a while just going back onto the dosage you were on prior to stopping might not work out too well. As you've noted with the hot flushes and the other symptoms you've noted, the absence of estrogen is not helping your well being. It will take a few years for issues with bone density to start but since you have been off it for a while now it would be good to get this medically sorted ASAP.