As like u I have bills to pay I've not been able to give up my employment, so I work full time and do mobile evenings and weekends, with the thought in mind that I will be able to cut my hours one day.
I've been doing it for 6months and any money I earnt I just put back into the business buying more products etc. Now I have almost everything sorted, I will start to pay myself back some of the start up costs. As summer is slowly arriving I am getting new customers all the time, which is fab.
Now I just want to add more services, but I don't have the funds at the moment.
My advice speaking from my own experiance is, to keep ur job, and advertise and see how it goes, then once you have ur regulars and a good set of products, give up ur job... Some weeks I am busy then the odd week I am quiet-which I actually enjoy-but its so much easier to put the hours in when it is for your own business.
Good luck xx