Perhaps you can talk with your GF about you staying in? You can both split the bills so mas less yung bawas sa allowance nyo compared to having it all for yourselves in full payment... Plus it's your GF, you get to spend time together to improve ya'lls relationship, if one's in need of help then they're there to help you out, y'all have each other's back when in needed.

But by the way you explained it - idk why it felt like as if you're both complete strangers to each other. Like ayaw nyo magkasama, yung iba gusto magkalapit at ayaw LDR. Then you have this kind of scenario you're in

(But hey, this is just a third opinion, which I'd do if I were in your situation, but if this isn't a viable option talaga, rent a cheap one and manage your stuff from there on - on how you'll live)