Agree with all the above about student lifestyles and flying cash. Also gliding is great, it's real flying and as a student it will be about as cheap as flying gets. (If you have to pay full gliding club membership later, and rent a club glider it's actually as expensive as operating a share of a PFA type, or microlight)
Re: PPL vs NPPL, you are probably thinking you'll save loads because of the slightly fewer minimum hours to gain the licence.
Unless you have a lot of flying experience already, I'd suggest you're unlikely to complete an NPPL in many less hours than a full PPL - you have to reach the standard in both cases, and there's little difference. Not many people gain either licence from scratch in the minimum hours. The ground exams are the same.
I seriously doubt if you would actually save much at all, and the NPPL is, as stated above, considerably less useful (at least at the moment).