Mark stated...
having to go over the basic exercises again
Don't be too downhearted. Once you have the basics covered you still have to get 45hrs of flying in and in that time you will get plenty of opportunity to get the basics nailed and then more time to hone your skills. It is frustrating at the start, I had a very very slow first few months but once you get to progress you can do more and more - your instructor might be happy to take you up in 'bumpy' weather, or even to go above the clouds for some action. Then when you have solo'd you can go off on your own to build up your XC confidence and before you know it you will be getting close to 45hrs and looking to fill in the hours with more practice to get your total time and solo time up to the right levels.
So you might not have a bottomless pit of money, but you will need at least enough to get you to 45hrs so plan it that way.