I think it's really sad to change jobs without a period of a few months doing nothing in between.
So while it's entirely possible that you can't afford that luxury right this minute, that's entirely something you've chosen for yourself. And the interesting part is that you can do something about it.
With a few basic changes to your life today, you can afford to take 3 months off next year.
Assuming a low-end IT salary, you're still bringing in 5k+/month. Minus $2000 for tax, zero for your 10 year old cheap car, $1000 for rent, and another $500 for food, that leaves $1500 for conspicuous consumption or savings.
If you've chosen to use up that excess by upgrading apartments, leasing a car, buying a flatscreen on the Visa card, etc., that's what is eating up your ability to save money.
There's no reason to be living month to month on $60k+ a year. Unless that's what you've chosen to do.
Start thinking that way, and keep at it for a while and suddenly you'll find you're not living month-to-month anymore.
* Pay your cars off.
* Get down to < $300 / month on food.
* Stop eating out except on special occasions.
* Turn the thermostat up / down in summer / winter.
* Cap mortgage or rent at $1000 / month.
* Live close to work
* Stop buying lots of crap you don't need.
* Build some savings
As for food, I eat far better than beans and rice, and I probably only spend about $150/month (ignoring restaurants). I'm a 100kg man who eats a lot. $500/month is easily plausible for a family which does not have large teenage children. (This of course assumes a non-working wife to prepare food from scratch, but again, if the wife works, more money to play with.)
Hopefully this was some lapsus related to the assumed readership of this particular site, in which case it could be somewhat closer to the truth. But it sure as hell is not feasible for everyone.
Count yourself very, very lucky.
And really, if you can't afford to take 3 months off, you also can't afford to be unemployed for every long (unless you have an outstanding severance package promised to you), which is bad for your financial stability. First of all, you may just not be able to find a job, and even if you can, it's possible that the ability to hold out for another month could have gotten you a much better job.
I'm just 17, but I can't imagine being in a longterm situation where I'm saving very little if I'm making a programmer's salary. Stability is a much more important "luxury" than eating out, nice stuff, cable TV, etc in my book.