This may sound fatuous, but why do you need to stay current?
If you're not going to use the privileges which come with currency, then just let it lapse. When you actually need to use the privileges (you've got a job) someone else will be paying you to stay current. Alternatively you could pay to regain currency yourself. It can't take much flight time. But really you should be flying an hour a month (at least) just to keep your hand in.
Having said that, I wouldn't let the ratings lapse for too long. I don't know the CAO requirements, but let me give the UK instrument rating as an example. It's valid for a year. If it lapses, then you can leave it for up to five years and just take a test to revalidate. After that you need further training.