I can't believe no-one has challenged the $3k budget for the NVFR (the rating). Costs here from Peninsula Aero Club non-member rates.
1. Shop around, try a country aero club or similar who will do the test, accept a bit of risk that there might be some remedial training and try and do the rating as 1 flight test. Might not work and you may need a second dip at it. Cost $250/hr dual or $150/hr plus test fee - 4 hours - $1000
2. Now, to use your NVFR rating for Charter ops - well, you already have it and so either a) hope that your employer may need to to ferry an aircraft at some point and do it NVFR - two flights, problem solved. Or b) with your NVFR rating, 3 hours 152 solo time at say $150/hr - $450.
Cost - min $750 (3 hours dual)/max $1150 - assuming your Enzed night thingy taught you to navigate and land at night and you understand the theory.
UTR