I'm afraid that I would have to agree with G-Spot in that you maybe havent thought through your training schedule.
I was talking to a flying instructor today who qualified as a restricted FI(A) on Monday, picked up his licence from Gatwick Tuesday and by Thursday had three, I'll say that again, THREE job offers to instruct!!!!!!!!!
One was full time, another was nearly full time and the last was just at weekends, his only problem was that none were particularly near where his young family live so he couldnt decide which one to take!!!!!!
There are jobs out there, you just have to follow the advice of a certain (for those of you old enough to remember him) Michael Hesseltine, "GET ON YOUR BIKE AND FIND WORK", he did and look where it got him!
Its too late now to not do your IR so if you can, beg borrow or steal the money to get your FI rating, even if you end up only flying trial lessons at weekends at least you stay current, build hours and someones going to pay you for it!
When asked at your interview what did you do for the two years since you qualified? Professional stamp licker is not what you want to be saying!
Good luck mate, if you dont make it work for you sure as hell someone else will make it work for them.
D