Is it too LATE to have a gap year?

Basically I applied through UCAS in October, so quite early, and now have decided realistically I am not going to enjoy university on the course and universities I have chose (due to living standards in London and the courses outside of London I chose). I was hoping for Warwick to be on UCAS extra as the occasional course sometimes is (I was hoping for Acc/Fin). Sadly it isn't, and so my plan is to apply for Acc/Finance at Warwick and Bath next year, and if I get any A*s apply for economics. Is it too late for me to have a productive gap year? I can't exactly afford to volunteer for 9 months for £5000-£10,000 and I would much rather get some work experience in the finance sector or something that would be worthwhile, since they may be disappointed I have gone on a gap year when I am doing something that requires high mathematical ability.

If anyone has any suggestions feel free to reply! Thanks