What you can do, is to take the modular way and fly according to what you can efford. I think this is not a bad idea as you will not make debits, you fly once or twice a week taking a longer time into the training with maybe better results as you can take your own time to absorb the theory and practice. But whatever will be your decision I suggest you to start as early as possible with the theory books as they will require the greatest time of your training.