Is it lack of time? Or misuse of time?

I've got that overwhelmed feeling like there's too much to do and not enough time to do it in.  And I'm looking at that on a long-term, lifetime basis and not only a day-to-day living.  I've got stories to write.  A couple of anthologies I want to submit to.  But that involves finishing stories.  And I can't get myself to do that.  The one bad thing about my 100 word per day writing challenge is that I'm meeting my daily goal and that's it.  I'm not pushing myself to do more.  I'm waiting until the last minute, knowing that I can crank out my 100 words in less than 30 minutes, and wasting time by not writing.  I'm really frustrated with myself.  Which is a good thing, because it will drive me to change.

My big problem is a current wip that I can't bring to a conclusion.  One of my characters had changed along the way.  A couple others have become so unimportant that they probably need to be cut.  One could definitely argue in this case that an outline could have saved me a lot of grief.  However, I had this story pretty well thought out before I started writing, and it just kept changing on me anyway.  Stories have a mind of their own sometimes. 

Punctuation help

Missing their momma's tucking them in at night and their pa's to protect them. 

Did I correctly use the apostrophe on mommas and pas?  Mommas looks ok to me without an apostrophe.  But not pa's.

What's the rule, or great LJ hivemind?