I second this. After high school, I made all of my new friends online. The people I rent an apartment with now are all people I met online, and I networked with their friends as well and now have a large IRL support net. Find people nearby who share interests by utilizing chats or forums, break the ice online, and then it won't be so awkward once you finally meet up, and if they have other friends you can expand your social circle.
Having a strong network of friends is honestly more important than having money. If I lost my job and my apartment right now, there are at least half a dozen people I could probably couch surf between indefinitely.