DoWeHaveLiftOff; Totally agree with SpeedBird22,
Pay up front if you can afford to - I paid for 45 hours upfront and they threw in a full set of Trevor Thom books, Logbook, Map, Checklists, Ruler, Protractor, CRP and a CAP413. Saved about £150.
Paying up front also gives a bit of flexibility, you don't have to worry if you can afford to fly on a particular day, where you may have had to scrape together a hundred squid or cancel - You can fly as often as you can without having to budget for it.
Make sure you allow a bit of extra time if doing your PPL in the UK, the weather will mess things up sometimes, and I was forced to make a decision in December while waiting to do my QXC;
Wait for the weather to improve to fly solo, or carry on flying dual and repeat stuff you've already done to stay current. I chose the second one - I'm much happier flying than not, and flying as often as possible makes things a lot easier. Not always easy to fly that often in winter, as I've found out
Hope you enjoy your PPL as much as I did!