We are in very similar shoes. I get freaked out by administration and bureaucracy. I haven't submitted my taxes for years now. I stalled credit card payments and abandoned companies, never collected payments for my contracting jobs I've finished...

Work is not a problem for me either, I do what needs to be done, but not much more.

I also had negative cycles that eventually lead to my GF dumping me.

For me, the solution was fairly simple, to work on myself seriously. I found a therapist and started working out and now I feel I'm becoming a better version of myself. This is fairly recent, all this change happened in January.

Now we are seeing each other again with my ex and I'm making sounds plans to own a home and do something realistic with my life.

Keep it up, you are not alone!