I can relate. Ever since I was a kid, people have told me that I'm smart and gifted. Being told that (often just because I
seemed that way... no real evidence) made me lazy over the years. It's easy to coast when you're known to be a smart person. Low risk activities mean you can continue to look smart without failing at anything. That doesn't sound like your exact situation, but that's part of what has made me hold off on goals.
Here are some things that helped me (sorry if it's really long):
1. Tiny goals, displayed visibly somewhere in your home. I write at least one sentence a day. That's a tiny goal, but if I can get my laptop open, I usually end up thinking,
Well, I'm here, and I don't have anything else to do... might as well knock out a few pages. It works that way for me with most things. 15 minutes of exercise turns into an hour. 10 minutes of ukulele practice turns into 30 minutes... Start out by choosing just one thing you want to focus on, and commit to doing it for just 10 minutes a day. If you do the minimum, you've at least done something. If you do more, great, and it'll probably only get easier from there.
2. Phone alarms that say things like "you should be working" or "are you going to regret how you spent your time today?" I have an app that gives me reminders like "don't eat unless you're hungry" or "have you exercised yet?" Not everyone needs that, but I
really do, because I get complacent really easily.
3. Throw out one thing you do that you don't need to do--something that is mostly habit or is just another responsibility you don't need... if you can. I was able to quit one of the committees I'm usually on at my job, and it makes me less overwhelmed. If there is a hobby or activity that you barely care about anymore and that you can afford to abandon, it might clear your mind a bit.
The Ted Talks about making a change for 30 days really inspired me. Maybe it'll help you too.
I hope that something here helps. Good luck!
http://www.ted.com/talks/matt_cutts_try_something_new_for_30_days.html