Yep – went out in July last year and spent the summe riding, decorating and then being a new father from August. Had insurance for my half of the mortgage and was really enjoying being around.
Then Christmas came and the burden started to get a little heavy.
January was about the worst month I've ever had to live through. No more than three hours sleep a night, serious amounts of stress and worry. I was an exploding heart beat away from demanding the doctor give me valium. Fortunately it all came good and I;m not back in work as of a month ago.
For god's sake don't get sucked into feeling it's OK. Get signed on, get support, get a plan for what you're going to do, maintain a routine that involves getting up and getting dressed and then assigning time to look for work. By all means assign time to ride and have fun, but make it structured around finding a job.
Good luck mate.