Back to school for Certification or Degree?

Currently I have closed my business unrelated to IT or the computer industry. Since then I have taken a job at a local mortgage company. However my true passion is working with computers and the internet. I have the A+ certification and working on the N+ cert. I have some college education but no degree.

My goal is to become a web developer. Should I persue certifications, associates degree, or a BA. I have a family with children so time and money is tight. However I need help knowing where to start and if I can get a decent paying job to help me get my feet wet with certifications.

Please Help!!!!