As an 'old fart', (retired), I would recommend as others have said, that you finish your CPL qualification, then think a little more about the IR - which has to be renewed at great cost if you are still without a flying job - and maybe just relax after gaining your CPL and perhaps take up some 'aeros' to break the cycle, improve your skill, and put the fun back into it all.....
If all else fails, and you decide to give it away, then you have the qualification, and perhaps you might consider using your CPL as a qualification for a career in ATC...??
Its good money and a good 'Super' scheme.....and you will get paid EVERY fortnight..!!
Good Luck
Cheers....