I get it. It's very difficult to deal with the unknown. That's the way life is, though. Sitting around fretting and worrying about the "what-if's" isn't going to get you anywhere. I applied to graduate school for fall 2013 last year, was wait listed at a number of schools and ended up not getting in...and you know what...I survived! Getting rejected has forced me to think outside the box and find ways to learn about myself. It has made me more determined this year to get into a school. I am working in a related field and have so much more to offer a school now than I did after just graduating college.
It's not that important that you go around apologizing to people about the wait period or that you haven't gotten accepted anywhere yet. I am sure your volunteer director would be pleased to have you back another year. If your boss is a professional, he or she will understand that things don't always turn out the way we plan. Talk to your landlord, explain your situation and see if you can switch your lease to month-month; that way if you do have to move, you won't have to be hassled by breaking a lease. My professors were happy to write me a letter of recommendation the second time around because they know how determined I am to get into a school. It's not about wasting their time, its about helping YOU achieve YOUR goals. My professors invited me to grab a coffee, reevaluate my letter of intent, my grades and my GRE scores to figure out where my application was lacking. They have been more than supportive over the past year.
In terms of finances, there are a lot of people who are in the same boat as you. They applied and feel as though they wasted money as the rejections roll in. Applying to a graduate school and getting accepted is a gamble. There are no guaranteed acceptances. It is an investment in your future. If this year doesn't work out, reevaluate your plans, see where you can increase skills and find out how you can make that application investment better next year.
“As I look back on my life, I realize that every time I thought I was being rejected from something good, I was actually being re-directed to something better.” - Steve Maraboli
Now....go have a glass of wine and relax