me too...
I am totally in the same boat as it were. I work for a handling agent too.
I started flying when i was about 15 but was way too young to realise the commitment and of course have the finances to support learning. I now have the drive to do it its just the bloody money thats kicking my wallets ass. I have figured out that im going to be able to do about 3 hours a month maybe four if i have a good month.
Im getting rid of my expensive to insure sports coupe, cutting my mobile down to a cheaper contract + lots of other things to get that extra 100 quid to get another hour in.
When it comes to making the big push for CPL / ATPL hours, learning etc ... well i will have to chew that food when i get to it but the "stick you neck out" thing its bang on right but i didnt really realise until now either. Shame when i think about it and go back to thinking i could have at least started when i was 18 - 20.