Hey! am actually in the same position as you are. I think I have a good idea but I can come up with a million reasons why i'm not developing e.g. being in school taking 7 classes, studying for the GRE being in debt bla bla bla.
Anyways, to remedy this, it was pretty much just a basic decision. I told myself that I'm wallowing in self pity about problems and not doing anything about it. I decided to act now.
This is not enough though, I think it's important to hold yourself accountable to someone. Maybe get invovled in a startup competetion that requires an update every week, tell a close friend about the idea ( this helps to validate it maybe, and they might keep asking you about it forcing you to build it). Set minimal goals (like oh, i'm going to get my login system working today). And just start building.
Products really just start out as features. If you can implement just one simple feature, you'll be well on your way. And don't be afraid, just be the man in the arena http://www.theodore-roosevelt.com/trsorbonnespeech.html I hope this helps.
PS - Stop reading too many blogs and news and stuff! Just build..I know I always get carried away by tech news instead of being the news