Autoboy:
You sound burned out to me. Before, you rode well. Now it's a task just to get on the bike and ride. Disinclination to train is one of the strongest signs of overtraining.
Often, riders will fall in a hole and do more, thinking their poor motivation or performance is a result of "slacking off." This only compounds an already bad sitation. Peformance will not improve, it will decline even more.
This may or may not be your situation. The main signs of burnout/overtraining are lack of motivation, insomnia, depression, lack of sex drive, irritability, loss of appetite, etc. Do you have any of these symptoms??? Also, how much training have you done lately???
You are in Austrailia, and heading into winter. Riding in cold weather sucks, and makes it more mentally demanding to ride in. It also sucks having to wear "snivel gear" like gloves, arm/knee warmers, etc. If you are overtrained, pushing harder in cold weather will make everything worse.
You also have to love your bike and be in love with riding your bike. Cycling is much too hard of a sport to be a "poser" in compared to something like golf or tennis. Most racers are amateurs who risk their health for basically nothing in return except personal glory. You really have to love suffering to find any kind of success in this sport.
I recommend all riders keep detailed, accurate logs of all their rides. It's easy to forget how much hard work you do week after week. When you get fried, go over your logs and examine just how much you have done.
Only you know how hard you have pushed yourself this year. If you have pushed, you need a period of complete rest or easy riding with light intensity. This is personal and variable between riders. Most pros take a week or two of complete rest off the bike at the end of the season, then start building up for the next season.
Also, never try to make up a missed workout, or stick to a schedule 100%. Life throws things at us that makes this impossible, even for pros who get paid to ride. Relax, and understand you can miss days and workouts and be fine.
Whenever I have crashed hard and got a good case of road rash, I would usually take at least 5 days off the bike, maybe more. I used to freak out about it in my earlier days, but soon found that I was faster than ever after a week off. That ought to show just how overtrained most of us are!!!
Good luck!!!