1 year masters and 3-6 years PhD unless you wanna settle for a ****ty job. My guess is that the OP can earn a maximum of 25000 with what she has, 30000 with a masters.
In america it's 4+2 years and then 4-8 years for that damn PhD.
Two of my best friends have Psychology degrees, one with a 2:1 and the other came out with a First. Both looked for careers, both have found pretty much nothing of real interest. So they're both having to go for a Masters Degree just to have the ability to actually get into the field.