better not to renew it , and say to the airline you give them the cash if you got the job.
if you have saved 10'000 euro, I am sure an airline would be interested to hire you over a guy with a current t/r or instrument and no money.
I have seen airlines charging money for the company course, and the line training up to 100h.So you definitively need money. Airlines have their own TREs(type rating examiners) who will renew your T/R.
think about it!