Baz,
Judging by your previous posts, it is clear that you loathe hard work and determination, a prerequisite to become a qualified pilot. With that attitude my friend, the odds are hugely against you.
If you really want to 'fulfull your dream of flying' then sacrifice the latest gadgets, the annual holidays, sell the new car, the 42' LCD flat screen telly and the wife if possible, you get the picture. If you couldn't afford any of these in the first place - even though you said you work in IT - then I can't see you being able to afford a PPL.