Hey Bman
Just one other wee thing that I had no idea how to budet for, Airways costs. You don't have any option on them but you've still got to find the money.
Just totalled all my bills up today and airways alone came to $1335, my initial multi $1500, and the Instrument Rating $9500 giving a mighty grand total of $12335 incl gst.
All the best where ever you go, just make sure you're paying by airswitch or flight time, you do spend a lot of time on the ground doing checks and briefings which you don't want to pay for.
Later
GW