Trying to find a job that lets you leave in a moment's notice when on call is pretty tough. My first year at a regional I just sucked it up and squeaked by financially. However, I used all of that extra time to really get in shape, read books I've always meant to and surprise the wife by picking her up for lunch every so often.

So long as you can eat and have a roof over your head, the first year at a regional can be what you make of it. Best of luck to you.