The usual reply is:
Worrying about the cost of attaining the PPL means that you are asking yourself the wrong question. The right question is: "Can I afford £x00 per month to keep flying after I've got the PPL?".
If the answer is "yes" they you'll have no trouble funding the PPL training, because, just to pick one possible financing route as an existence proof, adding the necessary £6k to your mortgage is going to cost well less than that £x00 per month.
If you don't keep up the PPL continuously then it'll be of no use to you for US holidays as you'll not be in current practice and will need a non-trivial amount of retraining each year before anyone will hire you an aircraft. By which time your holiday will be over.