If $U \in T\setminus\{\emptyset\}$, then
$$
\mathbb{R}\setminus U=\{u_1,\ldots,u_m\}
$$
It follows that
$$
U=\mathbb{R}\setminus\{u_1,\ldots,u_m\}.
$$
To prove that $\overline{U}=\mathbb{R}$ it is enough to show that given $x \in \mathbb{R}$, we have $U_x\cap U\ne \emptyset$ for every $U_x \in T$ with $x \in U_x$. So let $U_x \in T$ with $x \in U_x$. Then $U_x=\mathbb{R}\setminus\{x_1,\ldots,x_n\}$. We now have
$$
U_x\cap U=(\mathbb{R}\setminus\{x_1,\ldots,x_m\})\cap(\mathbb{R}\setminus\{u_1,\ldots,u_m\})=\mathbb{R}\setminus(\{x_1,\ldots,x_n\}\cup\{u_1,\ldots,u_m\}).
$$
It is obvious that
$$
\mathbb{R}\setminus(\{x_1,\ldots,x_n\}\cup\{u_1,\ldots,u_m\})=\mathbb{R}\setminus\{x_1,\ldots,x_n,u_1,\ldots,u_m\}
$$
is non-empty since $\{x_1,\ldots,x_n,u_1,\ldots,u_m\}$ is a finite subset of $\mathbb{R}$.