It's far from too late, if you identify your goals and focus on them.
Get involved with your local tech communities. Spend a few evenings with local tech groups. You'll find a broad cross section of technologists at your local hackerspace [1] who will be happy to talk shop. Check Meetup for local groups related to your favourite languages. If there isn't one, start it.
Hotdesking at a local business incubator is a way to make connections, advertise your presence and concentrate on $project while you seek out opportunities.
If money is your primary concern, then sacrificing a few days a week to balance the books will pay off in peace of mind as you prepare for your final year.