What to do??
We have all had the same problems deciding how to get there.
"There are many ways to skin a cat".
One thing is for sure, do not get advise from "wanabees". They have not actually done what they preach.
If you want to continue and you don't know what to do, consider these few points before commiting yourself.
1) What are your plans, goals, and ambitions?
Once all your plans and goals are established, you can attack the problems and find solutions. This will generally be cheaper than just doing anything.
2) What are your financial resources?
No use trying to be a 757 driver if you cannot afford the training. Besides, I don't believe that 250 Hrs. pilots should be on heavy jets. I can hear the comments comming guys! Be gentle with your comments. I just believe that 1,000 Hrs or even 500 Hrs of flying ifr on a slow aircraft is a better learning experience. I know that some people can do it well, but most will have problems adapting to the environment with so few hours.
3) What time of the year do you plan on finishing your training?
If you finish "training" in the spring chances are that you could get hired on with a float operator, where as in the fall, you will not find a job.
I did my multi ifr right after my commercial. It took me about six months to get the first "job". With hindsight, I should have done an instructor rating. If you want to fly "floats" and "bush", then get your float rating. If you want to eventually fly bigger jets, then skip the bush operators and get the IFR experience NOW.
Hope this helps a little. Now I'll get back on my DC-10 and go have fun.