TFG,
Why not do the CPL and IR part-time, while keeping your current job? That way, in a couple of years' time you'll be able to look for a job as a pilot - but you'll have maintained your financial security throughout. And if that magical pilot job doesn't turn up, you've still got your current job for as long as you need it, too.
What's more, on that salary, unless you've got a huge mortgage, you should find you have no problem paying to stay current while you're waiting for your first job.
This is exactly what I'm doing, by the way - just got my ATPL exams done, CPL later this year, IR next year, but keeping my current job for the reasons I've given above.
Good luck!
FFF
------------------