My point is, don't do budgets. They won't work. Buy the plane, make sure you have as much as you bought it for on top to sort everything else out in the beginning and iron out kinks. Then pay and play it by ear as you go along.
I would not agree in the general case of UK GA, where most pilots are severely budget-limited.
Especially this chap who is not going to get more than a high-end windsurfing kite for the £13k.
13k is way too low for outright ownership of anything other than absolutely rock bottom stuff e.g.
whose bird pulling power is going to be somewhere below zero - as evidenced by this
At 13k I would look for shares, or knock some like minded heads together and form a syndicate around something that can go places. This chap talks of going abroad; you need something reasonable...