Do you actually need an IR? Or can you get by with an IMC or none at all? If the name of the game is saving money, why not just let everything lapse? You'll need a bit of training from an ATO to get anything renewed, so that may as well be on a multi in a few years when you're ready...
If you're qualified and want to take the leap into a flying job, you've got just as might right to be there as anyone else.