I don't think humans are built to like change; like Echoes says, change is threatening because we can't know what will happen in the future, if it's a good idea or not.

When I am getting down on myself for not changing fast enough or procrastinating in general, I remind myself that I do, in the end, go along with the program and make the change, and I also think about bed making One can get on one's case for not making the bed or doing the dishes, etc., and then one does them and feels accomplished, etc. but they just go back to being in their former, unmade/washed state? How important is the whole angst thing that we should spend so much time being upset at something that is "finished" for so short a period of time? Bills have to be paid this month and next or every two months or once a year, whatever, but whatever one finally does about them, whether one makes it a problem by only doing them once a year so they get into a tangle or looks at them faithfully every Monday morning (my husband :-) it doesn't really matter because they don't "end" so just decide what you want to do about them, how much energy you want to spend on them and then do it from "outside" yourself.

They are not about you and what you feel, they are external to you (and your relationship); see if you can think about them and treat them like any other habit/chore that you do without the angst. Do you brush your teeth regularly? Go to school/work daily? Spend time online every morning or evening? They're no different from those things, they're just another activity you want as part of your lifestyle/routine.