Max,
I'm not quite sure how you've worked out your figures.
Firstly, as Dubtrub says, clubs charge by the flying hour. Many are happy to let you take an aircraft away for a weekend, or even longer, if you put 2-3 hours per day on it. Some aren't so shop around.
When it comes to part ownership, you ought to be able to get something for around £3000 up front, and about £50 a month and £50 per flying hour. Rates vary, but that's a good average. That's £600 per year plus your flying, not £3000!!!! I suspect you're either looking at some very expensive aircraft, or very small groups. A group of 10, or even more, will still give you good availability, because most PPLs really don't fly much. I know someone in a group of 20 who flies pretty much when he wants. You'd need to do your research before you joined a group of course, but you ought to be able to find one that works for you.
Having said that, flying is never going to be cheap.
So it depends if you want to do it.