I hate to sound harsh, but if you can't afford to get a PPL, then you can't afford to subsequently fly enough to be safe. Flown in the classical flying club manner anyhow.
There are ways to fly relatively cheaply, such as...
- Do a microlight PPL
- Join a gliding club and fly as much and as often as you can afford
- Buy a cheap type-approved microlight in a group, and then pay an instructor as you go along.
- Save up until you can afford it, then do a package somewhere like South Africa or (once the dollar and pound have got back to where they used to be) the USA. (Hint, whilst less flexible, the South African and American PPLs are much cheaper than the UK/JAA version and can still be used here). Following that, buy a share in something with a PFA/LAA permit.
All of these give you a reasonable opportunity to fly fairly cheaply - clever finance schemes to do a JAR-PPL (the standard, and unfortunately expensive, flying club product) won't actually change that it's very expensive.
Also, work out how you're going to afford to keep flying long term - otherwise it was a bit of a waste of time.
G