Realistically, flying is always expensive. I personally feel I dedicate a major part of my life so that I can enjoy the luxury and privilage of flying. I also work away, and when I did my PPL I did it in 'chunks', and the final 15 hours and test I did in two weeks. I stayed in a B&B next to the airport, arrived at 7am and left at 7pm with the staff, flew at every opportunity even just for more solo circuits (was non fussed about the whole minimum 45 hours and following the schedule, just wanted to be in the sky!). It was great fun and completed it literally just before I went away. If you really want to do it, it's definately possible.
Going to the USA wasn't an option, simply because I couldn't be sure what dates i'd be home.
Now keeping myself flying and not getting is also a real commitment. I study the checklists and manual the day before I go home, and even if i'm the UK for less then 24 hours, i've still found the time for an hour of circuit bashing.
Just a few ideas, the way I do things might not suit everyone, but it's a thought.