Gash,
In the gliding world, the bloke/gal who cuts the grass goes flying the tug after work. They don't have a commercial licence and are paid to cut the grass.
Maybe you could take a similar approach here. Be an Ops bloke and after work go instructing.
Better still get a well paid job and go instructing unpaid (at a not for profit club!) in your time off. That's what I did until I got my 700 hours and CPL. I can now (and do) claim my expenses like the rest of the FIs.
Have you thought about an FAA medical and instructing on N reg aircraft?
Vigi
ps. Whatever you end up doing, check out the legallity of it with the CAA. It would be a shame to lose your PPL over a few quids.