If you want it enough....
Why not go and knock the CPL on the head intensively in the USA, then you only have the IR to deal with?
I did my CPL taking time off work in the UK, and sympathise with the issues you're up against. As it happens, no I didn't struggle with time, but I did take a lot longer than I ideally should have done, and that meant more hours as the learning curve was shallower.
Since you can do the CPL intensively in the USA, that will probably pay for itself in reduced numbers of days off, and reduced hours flown to get there, as well as cheaper hours.
The IR needs substantially to be done in the UK for legal reasons, but at-least make life easier on yourself.