I'd say reasonably expect to take 60 hours for private (it can be a lot less, but barely anyone does it in the 35 (141) or 40 (61). Then add another 5 hours per rating in case you need a couple more flights to get comfortable for the check ride, check ride delays, etc.
Other ways to save money: Do as much studying at home as you can, so you aren't paying by the hour for your CFI to teach you stuff you could have read from a book for free. Knowing procedures and maneuvers before you get in the plane will save you time and money. A copy of flight sim and a cheap yoke or joystick can allow you to practice instrument procedures at home for free.