Martha my advice might not be of much use to you. I've lived most of my life at the opposite end of the financial spectrum. Eg. In 2009 I was living on a total annual income of 8122 net from which I had to pay everything including rent, car and pet costs. So my philosophy for life is probably completely different to yours.
For a start I don't believe in insurance. It's not a public service, it's a business, designed to make a profit. They survive by paying out less than people pay them (sorry to state the obvious!) meaning the chances of you not needing a payout are high. Then there's the issue of them finding every possible way to avoid paying out or capping the payout. I insure the car because it's a legal requirement and buildings insurance for owned property (because even a cheap property is incredibly valuable and if burned to the ground would become almost worthless). I don't insure anything else ever.
The UK (assuming that's where you live) has a welfare state which isn't really fit for purpose but better than nothing, that's my insurance. If DH died are you really going to be on the dole or would you survive somehow a bit more easily than that? People without a mortgage can live with much less income than those with rent or mortgage still to pay so even on minimum wage you'd cope somehow. You could bank the monthly insurance fee and go on a holiday when the time period is up and he's still (hopefully) alive, or buy a new (to you) car with it, or redecorate etc.
Vet bills I'm pragmatic about. I have a bit of an issue with modern medicine and have a "just because we can doesn't mean we should" attitude to prolonging life in the old and infirm. I think an awful lot of people leave it too long before PTS. If I did have a potential large vet bill for a treatment I would have wanted, and can't pay it, well that's the gamble I took and I'd accept it. What I wouldn't do is run out of money every month in order to afford insurance, I consider it crazy behaviour to ruin your own life to possibly prolong your pet's life. I believe in equality, so your life is as valuable as theirs and there's no guarantee they'd even need the veterinary treatment you're ruining you own life for (not quite "ruined" that's a bit dramatic in your case, but you get my drift).
I think I'd pay the pipe one if I was you because it's small change with your income and the company could maybe force you to have a repair if necessary, leaving you in a bit of a pickle if it was expensive, unlike say a broken window where you can choose to reglaze as and when you've got the money.
Car warranty insurance probably isn't worth the paper it's written on if you read the small print. Would the world cave in if something went wrong and you ended up driving an old banger for a few years while saving for something better?
Freezer insurance. When you have £3700pcm. I honestly think in an emergency (which probably won't even happen) you could afford to find £150 to replace the freezer and another £100 for some food to go in it. You'd just have to skip something else that month.
My last pair of glasses cost £40. The ones before that £97, 12 years ago, plus £20 for updated lenses in the interim. Do you all have some sort of eye condition needing very frequent prescription upgrades? None of my business obviously, I just can't imagine what you're doing with them to need £160 for glasses each per year.
Savings. They're great. But running out of money before the month is out because you saved some doesn't make sense. You haven't run out, it's there. Do you really need to save £300pcm to go on holiday? I can't comprehend a holiday costing that much, unless perhaps you've got a large family and only a few months to save.
£250 for sundries is plenty. I think the problem is you've no sense of rationing yourself? Are you someone who has whatever they want/need whenever they want/need it and that's why you insure everything? It's not a bad approach, it's just different to mine. I'd split that £250 X 12 ÷ 52 to get a weekly figure, draw it from the bank in cash, carry it in your purse which will make you much more aware of spending it. If you really can't ration yourself at all, the act of splitting the money weekly will automatically ration you to some extent and help prevent you running out of money two weeks before payday.
Sorry that's so long! And extra apologies if any of it sounds sarcastic, it's not meant to, but I have found it difficult to work out how to advise someone with a totally different lifestyle and mindset to my own. If it's no use feel free to ignore me, I shan't be offended. 