Don't you just love RENURPP's comment?
Clearly you have lived a charmed life RENURPP! Lucky you.
Something I have learnt is -
Life doesn't always turn out the way you plan.
Until you walk a thousands miles in someone's moccasins, perhaps open your mind and realise there life ain't always that simple.
I moved for a flying job which fell through and it took me some time to get any work let alone regular work. Even when I applied for strawberry picking jobs there were hundreds of applicants! Yep strawberry picking ffs!! I didn't have the money to move again to get work and certainly didn't have the money for a renewal.
I have done all sorts of **** jobs throughout my life but I ended up on centrelink for a wee bit (painful experience that was!). I certainly would have taken up the offer for money (even a loan) to get my IR renewed if it existed.
It certainly does become a vicious cycle sometimes and well news for you RENURPP - in some areas this is high unemployment and when you are competing with thousands of public servants being laid off from the Federal and State governments it can be tough to get work.
An observation: the incorrect use of your and you're by aviators seems to be a common phenomenon.
I have also observed pilots like to say "I done it". I have to restrain myself from thumping them.