guni83, you're in Australia right? Be cautious of advice from other countries as their aviation scene is different to Australia's.
I worked in Australia for 10 years and now I am in the UK working as a pilot.
First things first. Where do you see yourself working once you have a CPL and on what wage? If you can't afford to support your family on that wage, think very carefully about getting that CPL.
OK. So you can afford it, how about that Class 1 medical? Any conditions such as colour blindness, diabetes etc.
I believe Australia is going through some interesting times WRT general aviation etc. Have a look at that market and see how the employment is. Your first job is likely to be as an instructor (more costs) or out bush flying. (Distance? Family?). What are the current requirements for Virgin or Qantas? If you can't get in with them, Cathay?
You must discuss this with your family as this will affect them significantly.