Seang,
I am in a similar position, PPLH since 2003. Always going to be a career change. I am struggling to fly once a month (most flying schools require you to fly once in every 28 days, otherwise you must complete a check ride with an instructor). When I do fly, it is only circuit flying.
There is so much I want to do, the heli lanes, over to Isle of Wight, across to France etc. Great if you have the money to "spread" your wings. I am currently looking to change my job after 11 years and increase my incomings so that I can then find a loan which is right for me and be able to afford the repayments over the next 10 years or so.
Have you considered a career in instructing? More money to find but a better chance of finding employment.
XTEC