In Europe you'll only be increasing your costs significantly. The weather in the UK pretty much demands an instrument rating.
Since doing the 14 ATPL gives you the theory to do the CPL and IR then it's pointless just doing the CPL subjects only.
How you should finance your training? Firstly, focus 110% on getting the best A level grades you can. Forget faffing around here on PPRuNe.
Folks talk about getting a degree, but unless you get a degree that will get you a well paying flexible job ASAP I would say don't bother. You'll get only more debt. If you were in Australia I would tell you to get a job in a mine. Serious money is on tap there. So you'll have to find something else to do to earn money.
Look for jobs that pay night loadings, weekend loadings. Finding a job and sticking at it will make a huge impact on your focus.