It doesn't sound to me like you're doing too bad. I logged 2.5 hours in all of Feb/March this year, just when I needed to stay current for my first solo nav. When the weather perked up, I packed in the flights as best I could. Finally got the ticket after a year and 60 hrs. So that averages out at 5 hrs a month - a bit like you.
FFF has it right. Enjoy your flying whatever you're doing. I loved training. OK, so I had a fat lump in the right seat telling me what to do but it was still fun.
On the money side, it doesn't get much better. No one said flying was cheap and my flexible friend is a bit stuffed this month thanks to a prolonged period of nice weather and friends wanting a trip. Worth every penny, though.
Keep at it, you will get there.