I think that it is a good thing that you haven't had sex and I think that most girls would too. It might be awkward your first time because you haven't done it before but hey this gives her a chance to teach you something, if it goes that far. Plus, I mean, at least she'll know you don't have any STDs. It really is admirable that you have waited, not many guys do. Then, of course, if she is a virgin as well, then she won't have any idea what to do and it will be something for you to both experience together, if it goes that far. And just because you haven't done anything yet doesn't mean you have to rush into it with this girl...give it some time.
Being shy isn't a bad thing you just have to force yourself to talk a little more. Let her know that you are shy then if there is a moment of silence, she'll know why. Set up a thing with your friends that's free, going to the park or something, make sure there are going to be other girls not just guys and tell her that you and some friends are going to go out would she like to go....not to a club or anything like that, I suggest something free since you already said money is tight....if she says yes, then say do you want to swap numbers so that we can set it all up and you'll know what time and everything...to get the details right. If she goes make sure to pay her attention then she'll sort of get the idea that you are interested. Then I suggest after talking to her for a bit and finding out more about her, tell her you like her.
As to your living situation and the job. She still lives with her parents and you're in college and a lot of college students that don't live in dorms, still live with their parents and some of them don't have jobs. If the job thing is really an issue with you and you want to be able to take her out. Get a job at McDonalds or something....that's not permanent but it's an income.
I do think that you should try.
Go for it. You would be surprised at the ways that you would find out how to go around all these obstacles that you mention that supposedly are keeping you from getting to know this girl. Just go by and pick up a pack of gum and do this every couple of days and say hello to this girl. She will get the hint.
Then ask her how she is doing, then try to engage her in small talk: the weather, her outfit looks nice, what is her name, what grade in school, graduated, etc.. what does she like to do. Then, when she say something that she likes to do,you say that you like to do that too. Take her to the zoo, or to a park for a picnic, or to a museum, or to a local restaurant for a coffee, or coke, pizza, something small and casual.
You can meet with her outside of your home and your family does not have to know. They will figure this out eventually, but they will be happy that their boy likes girls and not other boys, etc....
You will do well. Go for it. If you want any more advice, write another question.
I suggest the next time you see her, say hello. If she seems up for a short conversation, talk about the weather, or what you are buying. Suggest taking her out to lunch. Get to know more about her. Talk about non-threatening stuff like events that are going on in your area, food you like, stuff like that. If you want to continue getting to know her, ask for her number. Gotta be brave and do it. Good luck!
I'm with citizen
sry i need 2 pts