i must admit i did ask the same question to myself a few months ago.
i decided to do the ME/IR first then if i cant find a job do the FI course. this way providing i keep my IR current or atleast renew it before i compleatly loose it i wont have to do my ATPLs again or worry about the 3 years coming to the end before i need it issued.
as someone also stated not much flying will be done during the winter months. now that im done with the ME IR i can start applying for jobs and go back to work while doing so, and FINALY having some more money coming my way.