Oh, for goodness sake!!!!! And I was going to say something far, far stronger! You have FOUR hours!!!!! That is absolutely nothing!!!!!! I couldn't fly straight and level at four hours. Neither can lots of people. I was about your age, yes, but age has bugger all to do with it, really. People learn at different rates, that's all.
Now, as an instructor - on helicopters, but I started with fixed-wing - if one of my students asked me after they'd done four hours flying how long it would take them to get a PPL, I wouldn't have a clue. What do you think we instructors are, psychic or something? We know that different people learn at amazingly different rates. We know that some people start quickly, and then get stuck later on, and vice-versa. We know it doesn't really matter, and that practically anyone can learn to fly, if they really want to. A huge amount of crap gets discussed on PPRuNe about hours, and hours to solo, and who's doing what at what stage, and I'm a better pilot than you cos I soloed in ten minutes and so on. Most people who can land after four hours are being helped, believe me. It's dead easy to give the controls a little tweak here and there, to give some young lad confidence and make him feel good. Maybe your instructors thought at your age you had more sense and they didn't need to fool you - ever thought of that? Or there was the lad at the flying school today, telling everyone he was in the circuit after four hours; of course he was; with a 600 ft cloudbase we could only do circuits or hover. But it wasn't proving anything except that the weather was crap and he had an instructor with imagination.
However, I agree with dublinpilot - if you only have £6000 to spend on flying, ever, pack it in now. What's the point of getting a PPL and not being able to fly afterwards? What are you doing now? Flying. What will you do when you have your PPL? Fly. There is little difference.
So stop comparing yourself with others, and fly if you want to and can afford to, and stop if you don't.
Oh, and if you really want to know, it took me well over 40 hours to go solo on fixed-wing, and there are people on PPRune who took longer than that. We just tend not to advertise the fact, that's all. Maybe we should, to redress the balance. And you know what? A year or two later, when you're off on your first continental flying trip or whatever, it'll be of no importance whatsoever.