Bella56 - They are potent and I will try to make sense of them.
The bee/spider dream is about a mixture of fear of being hurt and a low level of fear. You try to shake it off because it only happens when you are alone and relaxing. Relaxing is one way of letting what was usually unconscious troubles arise into awareness.
Then the owl comes to you, meaning you have a functioning intuitive ability. See
http://dreamhawk.com/inner-life/using-your-intuition-1/ This ability manages to calm your fears but not get rid of them. This is shown by the second dream. You are carrying you whole life like a burden - in fact you are the homeless woman because probably you have no one who you feel at home with completely. This was probably started when you were a child.
The dogs/owl/fleas are saying that you have so many little worries or thoughts or feelings that sap your energy or resolve that it is slowly killing out your instinctive energy, you natural good feelings, joy. See
http://dreamhawk.com/approaches-to-being/lifes-little-secrets/ and probably
http://dreamhawk.com/approaches-to-being/martial-art-of-the-mind/You do not have a big problem if your dream is right, but lots of little worries.
Tony