I second Wierdfish's statement about the "extras". Once you get onto Navigation you will need the whizz wheel, nav protractor and ruler etc etc...not forgetting keeping your charts updated annually (this is a legal requirement), exam fees...
Then what do you want to do afterwards? IMC (or whatever it will be) rating, night rating, aeros qualification? Formation flying?
..as others have said...its an expensive hobby...especially if you're going to throw yourself into it and do it properly (the only way to approach ones PPL training IMHO!!)