Looks like TSR **** itself again, I just got a subscription e-mail for this even though the last reply is ancient.
I'll reiterate what I've told others: move out. If you're voluntarily staying at home (without good reason) and shunning University life in favour of having what's essentially another four years at school, as well as deliberately choosing a University with commuting in mind, then that's a pretty sad situation and people are justified in calling you a loser. Money isn't a reasonable excuse, because I've known a good few people in halls who are seriously poor and can only afford freshers' week and maybe another 4-5 nights out a semester on top of their rent and food. If they can do it, then so can you.
There's a reason why Cambridge decrees that all its first year new freshers have to live in college accommodation (as was the case in 2002 when my brother started there), you know. They expect proper commitment to University life, and a continuing academic duty, instead of this spazzing about at home doing nothing and snubbing the whole thing while your peers throw themselves in at the deep end, break out of their comfort zones and have the time of their lives.
I went to a University which had many students living at home and, really, it was just plain depressing seeing them zipping off home at 11am when classes finished - can't stay to help us out on our team project or even a quick bite to eat? Hell no, just gotta get home and do **** all like some vast slug while the rest of us are bonding and developing. I really wish more places had the Cambridge regulations as it would really solve a lot of problems for all concerned.
Sorry if this sounds harsh and blunt, but it's an opinion I've held really close for a long time now.