Hi Zina,
Skin growths are lumps of tissue that are within the skin or can be felt under the skin . Dogs can develop small bumps (papules) or larger bumps (nodules) on their skin. These lumps and bumps are fairly common occurrences, especially in the older dog.
Very often the word "lump" brings the word "cancer " to mind. However, there are many other causes of lumps. A skin growth or mass may be a malignant or benign tumor, an abscess, a cyst, a hematoma (blood-filled mass) or a reaction by the skin to an allergen (hives). Lumps are often benign accumulations of fat called lipomas . However, all lumps should be evaluated for the possibility of malignancy.
From what you have explained, I am guessing that your dog has lipomas. However, since I cannot be sure, you should try taking her to the vet. If money is tight for you right now, you should call your local spca and see if there is a voluntary veteranarian that can look at her. I'm sure they could help.
Wishing you and your little girl all the best 
.
