If you're a true Scot, you won't want to part with your bawbees without a very good reason - which in the case of learning to fly is a very wise policy!
Log book and checklist are wise investments, but you don't really need much else at this stage - does the club not have its own headsets?
Your commitment is admirable; perhaps consider applying for one of the scholarships on offer in a couple of years time? You can find the details in any copy of Flight Training News; your flying club will probably have the odd copy lying about.