that's not wise
I suggest you get a retainer or go PART TIME.
That means not working 5 days a week, only work when you are needed sort of thing.
Get a full time job elsewhere and go part time on the instructing. That's about the only way you'll stay afloat.
I would not be coping with per hour basis. If I did that I'd need 2-3 jobs (the two others not involving flying).
As an Assistant flight instructor you are on the deep scale since you are limited so not many options yet. It will take almost a year to get the restriction off.
1/60