Find a more experienced pilot who is willing to take you along on longer trips, preferably abroad so you can get rid of that artificial mental barrier nice and early. If they're not hour building and the aircraft's insurers are happy then you should be able to log some P1 time and you'll learn a lot fom the more experienced guy without having the associated costs of a FI.
I found myself landing at Berlin Templehof with 16 hrs P1 and a total of 56hrs because I put a notice up in the flying club which generated a response from someone with 900 hrs.......