what about cost of equipment to start with like headset, rulers, CRP5, knee board, charts, text books etc... (aprox 500-700)
travel cost or living expences at the airfield
fuel surcharge
approaches and landing fees at other airports
exam fees and aircraft hire for the exams (probably abt 2000 for the IR and another 1000 for the CPL as long as they are both first time passes)
and what about if you are just not good enough to finish everything on minimum hours? everyone goes over somewhere or the other. i did my CPL in minimums however went a few over my IR. another friend of mine went well over hours in his CPL but did his IR in minimums.
edit: oh and unless you just intend to burn holes in the sky, some extra money for landing fees during your hour building would be a good idea.