Be careful basing your budget on minimum times.
The minimum legal requirement for the IR will be up to 35 hours in a Sim, and only a minimum of 15 in the aircraft if you do the CPL first.
In practice, it will be difficult to get a first time pass in this time, and now the CAA has clarified that taxi time will not count, you're looking at 17-20 hours in the aircraft straight away. Make sure you budget for this, and not the bare minimum quoted in the brochures.
