Baz, could I ask how old you are? Because I was 28 when I fell in love with flying and the whole 'must-do-PPL' thing began with me. I've had various attempts at completing it over the years but it wasn't until comparitively recently that I was able to get my finances really straight and save properly. I'm now within an ace of completing and I'm now 55! I still have plenty of time left to enjoy it and so will you - determination and stickability will do the rest for you.