Is psychology a bad degree to get?

I'm really interested in psychology and how the mind works etc. and would love to do something to do with psychology or become a psychologist, but ive heard have just a normal psychology degree isn't that valued as so many people have one and that its hard to get a job that's actually related to psychology. I've also heard that if you then go on to do a doctoral in psychology its also difficult to get a job as a psychologist and that most people don't tend to do the doctoral for a while after graduating, but what do they do in the meantime? I just don't want to go to uni and come out not being able to get a decent job, especially with the cost of it all now!! Any help would be great!