Trust me... Do not get a Ph.D. without having your foot in the door of your field first......... Unfortunately, I left 2 adjunct teaching positions to pursue my Ph.D. Now I have a Ph.D. and a 2nd master's degree and no 'real' professor job. I'd like to blame the economy, but there are other factors that contribute to this situation.
Unless you're going to be guaranteed a job in a highly desired field (math, physics, chemistry, the hard sciences)-- it's a waste of time...
You may want to consult with your alumni association and see if you can get some career coaching advice. (I wish I did)
Here's a recent article on the Chronicle of Higher Education that talks about how many Ph.D. graduates (who are now part-time adjunct teachers) are on food stamps-
http://chronicle.com/article/From-Graduate-School-to/131795/
And- here's a link to a consultant who left academia who now does career coaching-
http://theprofessorisin.com/
Maybe you can find your dream career in your field w/out the Ph.D........ or get the job while your pursue the higher degree.... Maybe you can find a job that will pay for you to get the higher degree.