I'd definitely look at the microlight route.
Whether or not you stop for a while to build up funds or keep going in dribs and drabs is likely to be a choice only you can make - depends on how you feel about flying, what your motivation is and so on. For what its worth, no decent school or instructor will treat you as a "second class" citizen just because you fly infrequently. Sure it will take more hours to get your PPL, but if you're enjoying the flying and the learning, that may not matter to you. I have students in just your position - and over time they make very good and safe pilots.
G is right though - if finances are a challenge at the moment, you need to think about what your goals are going to be after you gain your licence and make sure you can continue to fly.
H