CA studies wthout attending classes


(Guest)
R/ Sir,
I am a student of CA Final yr.
My attempt is in Nov. 2008. Currently i have started my studies and they are at initial stage.
I am thinking that i can do the studies on my own also. I have confidence that i can cover my syllabus effectively.
But at the same time my other friends are saying just join classes and after that do the studies. Even if i joined classes i has to study on my own, classes may not be helpful in long term.
So even if i have to study on my own why should not study on my own. This will save lot of time and money.
I have notes of classes.
BUT, at the same time i am worried that, if my decision goes wrong and i fail in exam, then everyone will say to me that," I told u at that time to join classes, but u didnot listen to me"
I am really confused.
I request u please guide me sir, what should i do?