Why do I get so panicky and anxious when...?

I have to make a decision that requires a level of commitment from myself.. Going to school, driving to unfamiliar places, joining programs, and groups. I just avoid doing things. Its so annoying for me because I used to be a daredevil that just did anything. Now something as simple as making plans to go on vacation are a major thing for me.. After having my kids and staying home for a few years I have become a recluse. Am I mental or what?