I remember a time when I had better things to do than work on my fiction. Even when I got into content writing, I would say that I wanted to be a fiction writer but I never "had time" for it. Everything else took precedence.
I often preach that in order for you to make it as a fiction writer, you have to constantly write and submit. But it takes more. It takes a mentality that it should be treated as a job. Much of the reason why I continue to write fiction and continue to make time for it despite how freakin' busy I can get with all my non-fiction projects and being a mom to two kids under 5, is because I think of it as a job. I don't make a whole heckuva lot from it but the possibility that I'll eventually be able to make a comfortable amount from it exists because I constantly work on it.
I hope I'm making sense here. There are times when I'm so strapped for cash that my attention wavers to something that can make me money faster and more often than my fiction can. But I have to keep reminding myself what my long term goals are. I have to keep reminding myself that in order for me to succeed with this, I have to treat it like I would any other job I have, despite how little I currently make from it. It has worked for me so far.
What are your goals? Are you one of those writers who claim to be a fiction writer but you never actually write fiction? If you are, at some point, you're going to have to realize that you're only making excuses not to write. What are you afraid of? Are you afraid of succeeding? Are you afraid of criticism?
For whatever you're afraid of, you've got to realize that until you dig into it like you would a job, you won't reach your goals. What is scarier than that?