Regarding B.com.

a degree cannot be wastage of time,.......in my view you should go both course together if can manange your time...........if not, go for PCC only, choice is yours......

I agree, you can even do it through distance learning.

I dont agree that its a waste of time..

By doing graduation you can go for other  higher professional cources, as some courses requires being graduate as a pre-condition.

so in my opinion u should do graduation also, may be through distance learning program...but its really helpful...trust me