Looking at the costs, and saying I have £6,000 to spend on training is the wrong way of looking at it in my view.
When you get your licence the bills don't stop.....they continue on as before.
A much better way of looking at it, is saying how much am I willing to spend on flying each year. If you can't afford (or don't want to spend) to continue flying regularly after you get your PPL, then I don't see the point in getting the licence.
Set aside in your own mind, how much you are willing to spend each year.....then it becomes a matter not of how much will it cost me to get the licence, but more a question of when will I be able to forget about bringing an instructor, and be able to go by myself wherever I want.
dp