Martin
yes you are quite right in stating I missed a couple of things out, I did my PPL in the US and got my night qualification within my PPL training, my MEP rating I will either do with my hour building or with my CPL. I have given a lot of thought to the IMC but have decided against it, I will do the IR straight after CPL, I have had a lot of conflicting advice about the doing the IMC before the CPL but to me it seems an extra cost I can do without.
If money is tight do not forget that training in the US is a lot cheaper, there is a lot of negative posts on pprune about training in the US saying it is inferior etc or you will need to do lots of hours conversion etc, I did my PPL in the US last year and had to do 1 hour when I returned to get checked out.
I do agree with a lot of the more experienced guys though that you should train where you intend to fly so after my hour building I will be doing my CPL and IR in the UK.