AOB9 - in 1995, I was exactly like you. Stuck in the circuit, infrequent flying, 16 hours and going nowhere. A problem.
All of the above is good and wise words. I always reckoned that there are four things that prevent anyone from progress in flying
1.Weather
2. Availability of instructor/aeroplane at a time that suits your schedule.
3.Finance
4.Will
As stated above there is always an answer, you have just got to find it. My view is you will go nowhere if you continue ad hoc, so, if budget is the main concern, look at Micro/Ultra/Gliding. If budget can be overcome, save up for a block, to get over the stages. Hang around the flying club, get to know people, and go flying with them. Befriend a lonely pilot!!!
You can do nothing about weather at this stage. The other three are do-able.