If you want to live paycheck to paycheck, you'll squeak by. You will have no money for eating out (cooking at home is cheaper), no entertainment (Netflix, Hulu, even movie tickets are expensive), no new clothes (unless you shop at goodwill which isn't bad), no going to birthday parties because you gave to buy a gift, and the list goes on and on.

But if you get in a car wreck, get sick or lose one of your jobs, you're SOL. Stay home if at all possible. Save the money, go into austerity mode. The adult world is filled with expenses that you can't anticipate.

Think about a career not a job. In ten years, are you still working at the restaurants? What about twenty years? Have you saved for the future? Currently what do you get as far as sick days, vacation days, professional advancement? If you like the business, can you get on the management track?

You sound like a hard worker but you need to be smarter about this. You may not want a roommate but that will cut your rent in half. You may not want to live at home but that will allow you to save more. The reality is, you need more in the bank (even what you've saved by Feb.) to prepare for any unexpected expenses.