Nr Fairy,
I'm trying to understand your first post - it sounds as though you're saying you need 90 hours to get to 155, but after the CPL course (30 hours or thereabouts, isn't it?) you'll have 300 hours TT. That doesn't make sense. If I've understood right, you only need 155 hours TT to do the CPL course, including 50 or 55 (can't remember which) P1. Are you thinking you need 155 P1? I'm fairly sure you don't.
Quite a few schools give discounts for payment of a certain number of hours in advance - not a huge amount, but it helps. And if you haven't had a Career Development Loan earlier on, get one - up to £8000 from the government, interest free for two years, sometimes extendable to three.
I'm hoping to go the same route as you if I can pass these damned ground exams so will watch with interest for other ideas.
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Whirly
To fly is human, to hover, divine.