desperate to find a new career.......stay with payroll?

[Barky]

i have a ba in psychology. i graduated from college 10 years ago. and i never did much. i was a recruiter for a little over a year, an hr person for a year and a half, and my last job was payroll for 3 years. in between these jobs i did temping/ very lame jobs just to make a buck. and now i still can not get that hr job i always wanted. i think i am doomed because i never stood in once place a long time. i was never happy at any of these jobs. i just wish i could get a new career altogether. even if it is a trade. but i need to make good money. im totally screwed here. no one will hire me because of my job hopping. i have greeat skills but not long enough at one job. or perhaps i should just go for payroll jobs instead? should i stick with payroll since i did it the past 3 years and just recently quit? i quit because it was a call center and i hated the call center. but payroll i liked.
also can you earn good money in the payroll profession with just a bachelors degree in social sciences? or do i have to get an mba?