In a way it makes sense to put your hour building on hold until you can afford to fund the whole thing up to and including CPL(H), (I'm assuming you already have the PPL(H)).
I lay off flying recently for six months due to family bereavement and it took me a couple of hours of extra training to get back up to speed where I could pass an LPC again.
If you can save enough to put hour building and CPL on hold until you can afford the lot in one fell swoop, you will make more of the time and therefore possibly require fewer hours in the long run. You are quite right about trickling money at it. In the meantime, there's always the issue of 13 quizzes to sit!
If you can get a job that pays sufficiently to save and then turn that job/career into something that could be part-time, you would have an income and be an instructor.
You have a lot of choices ahead of you!
Cheers
Whirls