Actually I was going to say why don't you look into the fixed axis microlight world. Once you do you PPL(A) convert to a fixed axis microlight, to become a fixed axis microlight instructor you wont need CPL or ATPL theoretical knowledge, you will just need to get the required total fixed axis hours and do the microlight instructors course. Hour building on a fixed axis mircolight will be cheap. Also fixed axis microlight instructors get paid 40 to 45 pound per flight hour, much higher than group A instructors. This will be the cheapest way for you to get into paid aviation employment. As a fixed axis instructor you may not be earing that much less than what you do now. While working as a fixed axis instructor continue to save towards doing the frozen ATPL. As you are flying for a living there is no rush to get the frozen ATPL done, and even in 10 years time at 31 you are still plenty young enough to make a go of it.