I don't know if you, or anyone else, has played the board game risk. but in risk, i learned pretty quickly that the guy that puts himself in the best position w/ the most army dudes at one country usually ends up taking over the world. The guy who attacks in every direction with not many army dudes usually struggles mightily.
Anyways, trying to use that rant i just gave, it sounds like you are not putting yourself in the best position given the circumstances. In the parts that i have passed thus far, i have spent about 130, 80, and 150 hours respectively studying for REG, AUD, and FAR. I don't think its humanly possible to study effectively 80 hours in one month while working a full time job. And if anyone can do that and keep sane/alive, more power to them. But for most people, a month studying FAR while working just isn't going to be enough.
If you have to reschedule some of these parts, that is fine. I rescheduled AUD once and FAR twice. But for $35 per rescheduling, its worth it.
You say you are taking REG, make sure you put yourself in the spot to succeed. If you are scheduled to take it in November, reschedule that S.O.B until january and give yourself december to study it, master it, smash the hell out of it. Be the guy playing Risk that has more army dudes than anyone else.
And as far as spending money just to fail goes, well, I bought all 4 parts of the 2007 becker software right out of college and studied for about a month until i more or less quit trying and never even sat for a part. $2,500 out of the pocket of a guy who just graduated college is a killer.