A mess in my head. Help.

I think for the most part I would be consider normal by many people. I do have some issues that I can't seem to work out. I want to first discuss an issue, which is not my main concern but one that relates to this sub-thread.

When I get really tired I sometimes hallucinate and see things in my head that aren't really happening. Usually it's a person coming up to the side of me and growling in my face. They get very close, and the hallucinations are so detailed, it's almost as if I'm day dreaming. This does not happen at any other time really, unless my friends and I are talking about scary subject matter, i.e. possession. Should I be concerned about this? Or do other people experience this as well?

Another issue is, I have very poor follow-through and I cannot focus well. I have a feeling it's a slim case of ADHD, because I can hardly concentrate on one thing. I have trouble multi-tasking as well. Some specific examples are, I will go to a webpage for a specific reason, before I know it I have a new tab open and I am doing something other than what I originally intended to do. I sometimes even will forget what I originally set out to accomplish. Another example would be a long term goal of mine to get into excellent physical shape. I have had this goal for over 10 years and I have never lost my belly.

I will transition this into a description of myself. I am a 29-year old male, 5'9" and 170 lbs. I will workout on a consistent basis for a month or so and then stop for twice as long. I have a Bachelor's degree in Fine Arts, grew up in a suburb of Chicago and had a good lot of friends before I moved. I usually don't write this well, I have a hard time putting my thoughts to paper. I think this makes sense?

My real problem I suppose is, I can never set foot onto the ideas that go on in my head. I can think of things, but never start them. It's incredibly difficult for me to take on a project. A self starter I would not be. I need a little push, and I'm not sure what it is. I would go see a therapist, but I have no money. I'm trying to find work, but with the above mentioned dilemmas, it becomes difficult to do productive things with my life.

Thanks in advance!
Struggling man.