This year, set a resolution you can accomplish: Resolve to finish your to-do list. Don't leave anything to roll over through December, like last year. Whenever you have little bits of money, put it toward a small project and kick it out; like adding those shrubs or repotting the flowers. Whenever you have a free afternoon, tighten those bolts and put a coat of paint where it needs to be.
Also, know your limits. If you have a bad back, a busy schedule, or just are not that good with a hammer, it is easy to ask your friendly local contractor for a helping hand.
If you feel you picked a project that you could do yourself, but you realize that you're in too deep, call me and I'll finish it up for you, no guilt, no questions asked.