If you're struggling to raise the cash for a safe/comfortable number of hours to get the licence you might want to think about why your doing the ppl and what you're going to do with it. I've seen so many people scrape together the funds and time to do it only to give up flying 2 or 3 years later because they can't afford to actually do anything after getting the licence other than a couple of hours in the circuit and the annual skills test. Not trying to put a damper on it, but it's an expensive hobby if you're finding it hard to justify the cash.