As I am writing, I've taken a break from work (my office is in my home), and plan to go into my quilting studio in about 2 hours, but I thought I'd give you some suggestions on conquiering your problem.
But first . . . you'll be hard-pressed to find a quilter who doesn't have unfinished projects. I think I need to go to "Quilters' Anonymous" myself every now and then. It's hard to resist the yummy batiks and other wonderful fabrics out there. I have projects in all stages: A bargello that needs its borders so I can take it to the Long Arm (I'll complete that tonight), a project cut out, but piecing hasn't begun; a project where I've starting piecing, a project that I started, but now I want to go in another direction; so it happens. You are among friends who feel your pain.
What I would suggest, since you're already carrying a full load, is to perhaps take on smaller, more manageable projects, or projects that can be done in pieces. For instance, a rag quilt, where each block consists of a "sandwich" of flannel top, batting, and backing when you complete each, then sew, and once you sew it together, you're done; or perhaps a wall hanging or, as you said, a pillow.
Also, if you don't have much time, perhaps you won't want to take on something that is very intricate and labor-intensive. If you're tired, and are staring at a million little lieces to complete, you can find it easy to walk away . . .
Just some thoughts . . . and hang in there!