I, too, suffer from this. Unfortunately, I can't say I've a degree to fall back on. I was laid of 6 months ago, from an industry I didn't really like although learned from. Now, I'm a little lost about what to do with myself. Nothing I do seems to be the 'right' fit. Example, while doing task X, I'm thinking about tasks S, Y, Z, R, T, etc.
When I try to unwind, either I find myself feeling guilty for wasting time on things that don't really matter, or I don't ever get out of this thinking/planning phase. Indecision and Procrastination, Very irritating.
However, I remember vaguely how it felt to get something out of the way, and realizing that it opened new possibilities when I did. Makes me think of the Law of Substitution. If you typically think about 10-30 things, and you resolve or change a handful of them. Then by nature, lower ones will rise to take their place if not change or fall off all together.
Something to think about.
Also, Looking for like minded individuals to talk with. Email or IM me
mrthinktank@aol.com demideagon@yahoo.com