I said that because you achieved a very difficult thing, and you are telling everyone in a similar situation not to do it!
250 hs? You need 200 for a modular CPL, and 150 for integrated.
40.000€ is cheap. 45-50K is perhaps more realistic.
As I said in another post, I don't think this amount of money is significan in the life of a men. I think there in the UK you have salaries of about that money a year, am I right?
Do you know that Audi A4 that you could buy in some years? Just forget about it and get a CPL.