Been flying since I was 11, started off flying every other week. By the time I was 13, I had 40 hours.
Of course, I couldnt do anything with them. Still too young to solo and stuff, although I could have. I lost interest because I was young and I could not take my flying any further. Either way, Im now 18, I started flying again when i was 16. I still dont have my license because of money restrictions, it really blows. Extremely close though. One reason being I went out and had too much fun my senior year, spent wayyy too much money.
Honestly, I wouldnt save the money up. I would rather start now, even if you only fly once or twice a month, your still plucking hours away and becoming more comfortable with flying. It can be a little uneasy at first but the longer your around it the more comfortable you are. Atleast that is how I felt.