One of the interesting aspects of paying as you go is that you appreciate the cost of each flight or sim session. Put it this way, if you give the FTO £1000 of your hard-borrowed cash by debit card just prior to a morning IR lesson, you're likely to be asked for more money just over 24 hours later once you land after your next lesson. That's how expensive flying training is!
On the same theme but paradoxically, there is a danger that by flashing your card every couple of days you don't actually keep track of the overall picture and find yourself looking at amazement at your depressing bank statement, suddenly realising that you've spent a vast amount more than you were originally quoted!