Hi tichy, let me play the devil's advocate and recommend that you get a job ASAP. I know its soul crushing(most jobs) but it will take your mind off of the money equation, and allow you to do good work on the side. If your cash-flow is tight it puts a lot of stress on your work be it contracting, building apps, starting a start-up. Since you are just starting out start doing these things on the side and get your feet wet. Once you have a steady stream of cash coming in and are sure that you can take a plunge you'll have the option of quitting your job. However take care while choosing a job, if you do decide to go that way. See that it leaves you with enough time to work on the side. All the best.