The finances in a New Jersey town are so out of whack, and taxpayer dollars are so at risk of misuse that an independent monitor must be installed to right the financial ship. That’s the recommendation of a damning letter written by New Jersey’s Office of the State Comptroller, which said among the problems in Irvington is a mystery $800,000 in expenditures that were not properly documented. The issues, the state says, date back at least 15 years, but local officials say they were “shocked” to receive the report and recommendation from the state, after they say they’ve been working diligently …