Sure, spreading it out takes longer and more hours, and that is likely to cause a change in CFIs, which also adds more hours because the new CFI will want to check the fundamentals again.
BUT adding more weeks or months may let you pay as you go provided you are earning an income, and your increased cost is merely the addition CFI hours because you'll have to rent the plane anyway.
Some of those hours will be solo hours so that's no additional expense.
You'll be flying while you're working on the PPL, and that's what you want to do anyway.