I only plan to do my PPL and don't have any plans to take any commercial route.
I've just graduated from university, so I'll be starting my new job soon so and getting my PPL would just be a hobby for me.
Are you then really sure it is a PPL you want? A sub-icao license willl do just as well for recreational flying, and at much reduced cost.
The one advantage of the PPL is that it leaves options for upgrading, to complex or multi-engine or to night VFR or even IFR. As long as you're happy with flying a SEP in day VFR the PPL is a waste of money and effort.