Don't buy time. Get paid for time. One job leads to the next. Simple as that. Take the first (safe*) job that will pay you to get that multi time. Be it instructing or charter or whatever. The best pilots I fly with are those who have been there and done that.

* by safe I mean don't compromise yours or anyone else's safety for a job. There are plenty of dangerous jobs out there. And safe one's too. Take the high road and the safe jobs.