Whatever you do holds a question mark! What would I do? Probably hot shoe it to the USA for a couple of weeks, use the money to get an FAA IR Then fly your hour building in the USA as IFR flight so you get the hours towards a conversion to a full EASA IR.
Flying is a much cheaper thing to do in the USA compared to europe!
But that is my opinion !
But hey we are all gambling on this one
Pace