Well, I was very lucky. Having gone to Oz for work for a year and turned a PPL(A) into a PPL(H), I came back to the UK with old wife and mortgage and a new child. The lucky bit was a) having a supportive wife and b) being paid shedloads to sit at home most of the time for 18 months.
After that it got a bit difficult - had to find a new job, which paid a damn sight less. But a combination of luck (some commercial work mostly on R44s), and planning (getting R44 and B206 type rating) helped. What didn't help was ending up overtorqueing a JetRanger while flying commercially, and the fallout meant I didn't fly for a year or so.
However, the GAPAN FI(H)R scholarship and a supportive boss last year means I'm now in a position where with a good following wind, I can build up hours and get paid for it. Keeping current and building hours until I've no mortgage (10 years, aged 52 or so) means I'll have a decent commercial working life and a longer instructing life left in me, unless I win the lottery first.
I've no clue about your financial position, but mine at the time was peachy. I added it up once and from my PPL(A) in 1989 to my CPL(H) in 2005 I spent the neck end of £55,000 - but I told my wife it was only £300 a month over 15 years
That's pretty much it. If you want it, you'll get it - I'm taking my time over it