I'll see your £37k and raise you £14k ... in Canada - not JAA but not that that will do you any good in the near future anyway.
PPL: $8000
PPL after tax credit and training deduction: $6160
Hour building, night, groundschool & commercial: $20,000
After tax credit and training deduction: $17,700
Multi-IFR: Effectively paid by the government after some lucky timing and the usual tax deductions.
Grand total in CAD: $23860
Grand total in UK pounds: £14,000