I gave up flying when I could no longer fly enough to consider myself safe. Managing to make the minimum hours with insufficient funds was stressful and removed the fun.
When Northern Rock crashed, I decided to take out my money and get my licence back. That took a few hours refresher and then a skills test - all done in a week between contracts. I then got a share in an LAA aircraft and fly at an affordable cost.
I'd put training on hold until you have the funds - in the meantime, keep your hand in by taking up the offers of spare seats on the top of this forum.