Speaking as someone twice your age who has felt similarly I'd say the best advice on this thread is to time schedule everything and have a clear output for anything. Force yourself only to think a couple of weeks ahead for the next 6 months and nail that habit, then your tendency to project everything forward ad infinitum may become a useful tool rather than persistent curse.
Scarcity of building contractors will push up contract values until supply meets demand - and people actually get paid more. This is how the market is supposed to work.