I have a PPL and am about to pursue the modular route through OAT. I have a wife, 2 children under 3 and a mortgage to pay, so Silicon Chip I fully understand your position because I am exactly the same position. I am also an electronic engineer.
I have found a solution that allows me time with family, study time for the theory, pay for the exams, and a way to pay the mortgage.
Work as an electronic engineer in the oil industry gives substantial time off for a reasonable salary. It does not suit everybody, and you need an understanding wife. The system I will work is 1 month on, 1 month off for £25,000. The oil/energy industry always wants people so it is worth a look.
If you are interested reply on this thread and I will add more details.
If it were not for the oil industry could not even start.
