Plan to work where you are allowed to. I'm guessing that's the EU. With low hours you'll find there are more jobs there anyway. You're on the right track - Canada, US and South Africa tend to be the cheapest, but don't get a CPL. The cheapest option is PPL, hour building and IR then come back and fly your last 25-30 hours converting the IR and doing the reduced CPL course. You can do all that for under £40k.