VFE's got it
Also consider a class 1 medical, consider taking a year out and shedding some debt.
To put it into perspective a trial lesson may cost you £80.00
at the other end of your training schedule to conduct your flight test for your initial instrument rating on a twin with the the lovely man from the CAA you can budget on a whole terms expenditure and not get any change. This was to date the most expensive 2.5 hours of my life........