Hi
Suggest you see if you can hire the relevant books for the exams from a library. If they don't have them, they will find someone that does.
Probably ebay best place to get basic kit like the whirly wheel etc. Don't buy new!
Headset will be biggest outlay but hang fire. you are young so good hearing so I expect the club headsets sound fine to you
Consult websites for various grants/scholarships available. i know for a fact many go unclaimed? Use good old google and type it in. Check out LAA education section and also Guild of Air Pilots.
T