Great guidance Jazz
I know how you feel with your current money issues. If you get married, or have a baby, things will only strain your life even more. If your not feeling maternal, then having babies is just a no no, even just to please your partner. Don't be pushed or persuaded into getting married or having kids that your not ready for.
Why am I seeing women in bikinis and stuff... interesting.
Anyway, I would try out whatever job you think you can go for. Sometimes when you go for a job that you think you will like, you found out you cant stand it... and visa versa.
You already have retail in your portfolio, so why not stay in retail but work for a different employer.. or maybe in the same field but doing something a little different.
While your working you should be always looking at job vacancies.. employers like people who are already working, instead of being out of a job.