You've got lots to do dude, write things down, make lists, set yourself tasks.
Order your WFP get on with it, sort your system out, if you need more custy's plan how you are going to do it.
You have a vague plan and you've done the right thing by getting more work, but you can't just drift in life. You've decided to do something, get on and do it.
As you say you are in the rut now of trying to keep up with the work you've created, but that's because you haven't followed through on the other parts of your plan.
Spending or borroiwing money does take courage, but providing you are hard working it's hard to see where you can go wrong. You just need to get on with it.