Hi Bucky
Not sure why others haven't been as quick as usual to welcome you to the forum - maybe the bit about Canberra...
Seriously, I started at 41 and was equally tight on funds
I started with a TIF from bankstown, then a TIF from albion park on a trike
The trike won the battle and am just about to get my Licence
I have every intention of adding 3 axis AC in due course and seaplanes etc
All I can say is get started with even one lesson a month if that's all you can manage - but if course the more the better
Regards
Mark