Hi PCA,
Welcome to Proon!
I'm sure many of us here can relate to that, I have been in this situation recently (haven't flown since end of January due to keech weather, have one coming up this Saturday though!) and I'm hoping everything doesn't go to pot during my lesson. Just running through everything in my head and doing plenty of reading
I understand your financial situation, it's up to you what you want to do but I would recommend doing a bit of saving first then hammering in the lessons.
Hopefully with the better weather coming in though (Ha!) you may get to fly more regularly, so try it and see.
Smithy