Very usefull post:) I am one of the people that i am working 9-5 (actually 8-4) and i hate my job. I often imagined the freelance way of working but as you said it could lead you to dangerous traps. The 2 most important things for me in freelance working are, having a program and a space.
You must get up at a certain time, dress up and get ready as if you are going to work. Also sometimes you should be strict to yourself as if you have a real boss over your head. Without these you will be lost in a sea of lazynesss and self doubt pretty soon. Have a happy and creative year @nmalove:)