What Whirls says is true (no change there then) Look at my way of doing it. I started in 1992, still haven't got the ppl.
I lost my job after 3 hours, and other things took a more important place in my cash flow, like mortgage, holidays etc. I returned to flying in 2001/2 got to first solo and the money ran out again. Satisfied myself with going to the club saying hello from time to time, and some Right Hand seat trips from freinds. Returned to the fold last year with a grand and a half spare. Not enough to complete the ppl, but I got the navigation tuition out of the way. Next time I get some spare money I will build up the solo time, QXC and skills test left to do, and I will do what the money at the time allows. Don't get me wrong, it breaks my heart whenever I have to stop again, but I am at the point where it happens so often I am hardened to it.
The one thing that has remained constant in all this time though is since 2001/2 whenever I have not been able to do it properly, I have always managed to find the funds for an hour every 3 or 4 months, just to keep my hand in. It means that I fly about 3 hours a year, but my basic skills of straight and level climbing and descending, turning, circuit work etc are all still reasonably current. That way when i do get some spare cash I don't waste any re-capping the basics.
If you are certain that you aren't going to fly again this year, at least think about doing it this way. Keeps the spirit alive as well!