Don't worry chantal. I don't work whilst going to school either for the very same reason. Although I really should, it doesn't make me a failure just because I don't. and neither does it make you a failure. Your just surviving and being smart.
i know of a lot of ppl that actually don't work during the school year and just apply for summer jobs. if your not taking any classes during the summer, just get some summer job and make lots of money from that!! and then salvage it wisely as it would have to last you for 9 months after that.