1. To apply under the skilled worker program, you do have enough points but unless your occupations fall under the list of 29 most wanted and there are still free spaces in that occupation, you will need a job offer.
If one of you qualifies to apply, that person can apply for you both.
2. The friend can not help unless they can help you get a job offer.
3. Without a job offer, it is $13,837 you have to show for funds, see http://www.cic.gc.ca/english/immigrate/skilled/funds.asp
4. If you get an experience letter from that employer, they will count it. Immigration does not really care if you work under the table as long as you weren't doing it in Canada.