I know the feeling, I was once there trying to get my 100hrs for CPL. My advice is to take the hit on the odd hour P u/t if it gets you access to a new type or whatever. However, then remember that currency is king in your hours building - I always advise that hours builders at our club should aim to fly at least every fortnight (every week ideally), even if you are struggling for cash it is better to do a 20min trip every week rather than a 3hr splurge in a day every other month. That way your flying skills stay fresh and you avoid the chance of going out of club currency (if you aim for at least every other week you have a buffer for weather, illness, tech a/c etc.. then as well). Good luck with it.
ps - on the P1 issue. Whoever was agreed as ac commander (and should be shown on tech log / auth sheet whatever) logs P1. If that person was an instructor, the other person may log P u/t. Nothing else (excludes exam flights) is worth the paper it is written on.