Willcat I hear you!
Then trying to not say I used to... do all these things without guilt. There is so much that the illness creates that is complicted by not thinking correctly.
At my worst I felt that my brain/body had been taken over by the Borg- star trek - I could remember how I used to feel or think about something, like the importance of using a tooth brush, but did not care. As if I was disconnected from the me I knew before.

That is why having a list of self care positive steps to start and end your day where you do not have to think. Like you said I can think myself out of getting up, paying bills.
Finally after a few years I am seeing a light at the end of the dark place I have been.
Like starting a camp fire, I need to remember the small flame needs a small breath to grow, and not to overwhelm and put out the flame by sending the flame more than it needs to grow.
As my long standing habit was to go until I drop, this is the new challenge for my recovery.
G1