I started my IR after about 100 hours TT. I used my VFR privileges for a while but I knew I wanted to get the IR. Get a friend that is also working on their instrument rating or someone building time to be your safety pilot. I did most of my simulated hood time with a friend who was also working...
I would highly recommend Sporty's Online Private Pilot Ground School. It is free for kids ages 8-17 when they complete a Young Eagle ride. This is not some gimmick either. If you take a look at Sporty's Website, the ground school costs $200.