Here starts my next tirade. So you don't need to make a living and will work for peanuts which then further devalues the role of the FI and drives the wages down further. Self fulfilling prophecy. Instruction does not need people like you to be frank. Neither does it need wannabee people tube drivers. It needs people who treat it as the profession that it is and will work for a proper return. That way instructor will stay motivated and the student will benefit.
Anyway that's enough of my hobby horse. My advice is forget it, spend the money on actually going flying. The cost of the CPL and FI buys you a huge amount of interesting flying. Far more fun to piss diamonds than kidney stones against the wall........