Keeping going (on the cheap)
Hi,
Things don’t sound too wonderful for you at the moment, but hopefully it will improve. If your licence is a ‘poo brown’ CAA PPL (and not a JAR FCL licence) then it’s for life and you can pick up the SEP Rating again if/when finances and motivation return.
If you can find a local group of pilots, either LAA or some ad-hoc gathering, you might find that it’s possible to get the odd flight in as a pax. This might be in exchange for helping with the aircraft etc. most pilots are amenable to a sob story about being skint and wanting to keep one’s hand in. While you can’t put anything in your logbook (well, you can write what ever you like in your logbook, but it won’t be relevant for re-igniting your SEP) it might keep your hand in with GA and reduce the time to get back up to speed for the SEP renewal.
Good luck, hope things improve soon.