fear of failure?

So I have come to the conclusion, I have a fear of failure that is keeping me from even trying.  I look at other people's lives and wonder if I had the nerves to try it where would I be?  would I be finished with school? Would I be making money instead of failing in school?  Why am I scared that I will fail without even trying.  Someone once said "if you dont try then you fail 100% of the time" What will it take for me to see that I need to finish school, I need to become a great example for my children and not give up when the going gets tough, I riddle my brain with things like this until I seem to just want to stop trying yet again instead of it giving me the motivation to say yes I can.  I get the feeling that I am smarter than I let myself believe but then sometimes not smart enough to keep up with assignments and dig my head into the sand that is facebook, tv or any other mundane thing that will keep my brain from accepting the brilliance of finishing a job or even starting.  If I were to have a new years resolution, it would have to be to FINISH what I start, not just start what I want to start but actually FINISH.  To not be scared of the outcome and just hammer those nails, whats the worst that could happen?? I finish it and it isnt exactly how I plan?  well, life is like that and sometimes you may end up with a slightly different plan but a finished product all the same.