The advice you've gotten so far is good.
I think most people get fid up doing local flights after awhile.
For some the answer is to do another qualification to keep the interest.
For others it's doing aero's.
For others it's simply going further afield.
20 hours per year isn't really enough to get you much more than local flights, and I think eventually it will loose it's appear, or you'll find it hard to justify the money you spend, vs the reward you get.
Others have given you suggestions for ways to fly cheaper, and suggesting sharing your flights with someone else. I think these are great ideas.
Flying with a second pilot has a number of advantages.
1. You can go further because you're only paying for half the costs.
2. You can learn from each other.
3. You can work out stuff together, that you might not have been so confident on doing by yourself. Particularly true if trying to go abroad, to somewhere that things are different from what you are used to.
4. Other pilots will be more understanding if you decide to cancel at the last minute because of weather, or something not right on the aircraft.
I would say that it's also a good idea to do a longer flight once a month than a short flight twice a month. It will help keep things new and exciting for longer.
Please don't spend two hours a month doing circuits! You'll get fed up of that very quickly, and then won't have the confidence to go anywhere!
dp