It is ‘YOU’ to decide when you wish to appear in Civil Services Examination. If you have conviction and are ready to give your best and back your decision, go ahead and take a plunge.
You know, when you are in touch with study, in a flow you manage your Civil Services Examination preparation.
Financial conditions play a little role when you show commitment and are focused on your Goal.
Mathematics is a good optional subject that many engineers opt. if you have grip over the subject, you can always go for it. Have a look at the syllabus and previous years question papers to understand the requirements and current trends.
If you feel, you need some break and build a base and with job in hand first, you wish to have alternate career in hand, take a job and consolidate a little bit.
In such situation, remain in touch with study and continue reading newspapers.
Whatever you decide, just have faith in your ability and keep your eyes glued to your ‘GOAL’.
All the best !