May I ask what you think it has to cost?
I did an integrated course, which might not be the cheapest, but is probably the most efficient.
I guess you did a modular course if you paid a lot less than what i did, but as I have seen so far modular courses are not accepted at a lot of airlines and I'd think they would take more time to complete.
Also if you want to save up the total cost before starting that means you need another education, in The Netherlands this would normally be around 4 years for a Bachelor. If you're quick I'd guess your 22 or 23 when completing that. Then saving up for flight training and doing the flight training itself meaning somewhere in your late twenties/around thirties before starting to apply somewhere. I would still prefer the integrated/financed route...