I am starting to think paying as you go is a bad idea. I am trying to finish up my private as I pay as I go but the idea of dipping into my savings so I rent a plane once in a while is not a smart idea. I would like to get all my rating while working as an electrician but I hate being an electrician and want to be in school full-time to pursue this. Did anyone else work crap jobs to get through their ratings? I am just looking for some similar stories or am I nuts to pursue it this way?