One of the problems I find is that getting in the training itself can become a ‘stressor’. I sometimes feel guilty for taking a 2 hour lunch break to get a 3km swim in, because I didn’t get up early enough that morning to get to swimming. Then you have the rushing home and around after work just to make sure you get the training in. Then some other things comes up on an evening and you feel guilty for not training.
Constantly rushing around (one of the things some people on here might refer to as “good time management”) trying to fit the training in around other life commitments can be stressful in itself.
I had that issue too. For me, I had to realize that there is nothing in this world that will make me get up early. So I sleep in till the last possible second, go to work, get most of my shopping done on my lunch, and then train immediately after work. I had to invest in a good set of lights, plan out some routes where I could comfortably do my workouts, and invest in some good clothes. It was worth it! Once I got used to the routine there wasn’t any stress and I could concentrate on training.