I'm sorry but this is one where you need some hands on advice, or at least some pics so we can see how bad it is.
Dad could be right, if they are not to bad you may not need the vet, and actually they may be better not being wrapped.
Cold hosing is good at this stage, it will help with cleaning out the wounds and reduce swelling. Non stick bandages, disposable diapers or sanitary towels make good wound covers if they need to be wrapped.
Can you at least phone the vet and talk to them?? Mine is very good with free advice over the phone, and sometimes I can just go and pick up what I need to deal with things.
It is scary hearing that you can't afford the vet though, expect to get jumped on lots