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Coming from someone who moved away from my parents as soon as I graduated high school, and has spent the time since experiencing huge ups and downs financially. Do what you have to do. I personally would say put together a plan of how to get by. For a year I worked two full time jobs, and decided to go back to school full time. I either did not have money to do the things I wanted, or didn't have time. You end up finding out that you don't need money to enjoy yourself.
A frisbee, ball, a walk in the park. You have a girlfriend to share what little free time you have with. Find an apartment complex that doesn't watch their pool closely, and go hang out at the pool for the day. If someone asks you what apartment you live in say "3B".
If money is that big of a concern, and is required for your personal happiness. Move back in with your family. Like Push-Pull said, if you two really love each other, moving back with family should not force the relationship to end. If something like that would cause the relationship to simply end, have you considered that maybe the relationship is not meant to work out whether you're living together or not?
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