Quote from Gyles:
So, it seems that you are wondering whether to have a degree or a certificate. Moreover, you want to get the education at the minimum resources. Frankly speaking, it is not the education you have, but the skills and knowledge that matters in life.
If you desire something, you need to make efforts also. So, you desire to get education and knowledge at the minimum resources. Well, to put it in this way: If you really do not have the resources (money and time), then it is understandable, but if you do have, then trying to learn the quick way may not help.
Impatience has never been helpful in the learning process. As, in the hurry to pick up things fast we do not really grasp things and our foundation remains weak. So, in the long run, we fail.
Also, having a degree or a certificate does not mean that you will be successful. To be successful in this field is to have a good understanding of the market and the economy. So, whatever you may decide to take (degree or certificate), the important thing is put in practice what you have learnt to test your understanding and in-depth knowledge.