I think part of my mind set comes from when I made most of my clothes, and I didn't have much money. My rule was that if I bought fabric, I had to use it before the next payday. (Teachers are paid once a month...) That meant that if I had a project, I had to finish it before I started the next one. (This was a self-imposed rule.)
I have gotten past part of the rule and have a pretty good stash. I had five quilts in my to-do list, and I guess I should have let myself think about the next project earlier.
I'm taking several of your suggestions...looking at patterns mainly. Tidying my room too, re-stacking my stash. Something should kick in soon, I hope. I have already "wasted three hours" thinking, and I have reserved the whole day for quilting. Hope I get started soon. :)