Getting certifications worked for me. I've got a great job making good money. However, I've also got a degree and several years of IT experience.
Certifications won't magically get you a job, but they can help, and in some cases, are mandatory. In fact, I had to be certified AND have a 4-year degree for my present job. Certifications can give you an edge. For example, if two candidates have the same qualifications, but one has certifications and the other does not, everything else being equal, the one with the certifications may well get the job, if for no other reason than taking the initiative to get them. Initiative counts for a lot.
Basically it's up to you. You can choose to spend the money and certify to give yourself any edge you can possibly get, or you can save the money and the time you would have spent studying. If you're worried about what DWW said about employers throwing away resumes of certified individuals, then leave the certifications off your resume if you find that you aren't getting any job offers. However, I don't think that every company has that anti-certification mindset - just look at all the IT job listings that state that they require one or more certifications.
However, all this is moot if you're going for a Civil Engineering job. I wouldn't think that the A+, MCSE, or any of the IT certs would do you much good in that field.
If you still want the study guide recommendations, feel free to PM me. Good luck with your decision and your future career.