Yes you will hear of the guys who bought a rating and then got a job, thing is you won't hear about all the many more who did it and it led to nothing. Hold onto that money until the industry firms up at the very least. Try hunting around for the more unusual jobs to get your hours up. Banner towing up and down the coast of Spain, parachute dropping, glider towing, aerial photography. I would hesitate on the FI and do some research just how many are actually undergoing flight training that would in turn provide the work. Talk to the place where you are training right now if they would employ you if you did a FI course with them?