This is something my therapist really helped me with...she moved to another town so I don't see her now but she was a big help. She worked with me on goal setting and taking things one at a time. I would get overwhelmed with things and do nothing at all. I let all of my responsibilities go and things got really bad. She also worked with me on seeing positives when I made changes instead of just looking at what I still needed to do and beating myself up. I also would spend money impulsively and get myself in trouble financially and that's something she helped me with to. I had a terrible gambling habit that ended up sending me into bankruptcy...that and having unpaid time from work. Talk openly with your counselor and hopefully they can help you work through this. Depression and anxiety lie to us and keep us from living our lives. Keep reaching out for help. Hugs to you!