I don't think that there is anything wrong with you, stripedangel. It can be very hard to turn your thoughts to service and submission, especially when you're dealing with all the same stresses and strains of life prior to adding the D/s element. Perhaps you need to start with smaller tasks and then move on to the big issues. Let yourself feel the success of turning over the decisions on what you wear, for example, and then leverage that to further aspects of control. However, don't think that just because you took the collar that you have been freed from all responsibility.
I say time and again that subs aren't doormats. Neither are they passive. You can't just wait to be dominated (although you might have to wait for permission lol). There are hundreds of things a day that you can do to reinforce your submission.
There was an interesting thread at the beginning of the year (check it out here) where Flaming Redhead reflected on slave rules and her goals for the coming year. I'm not saying that is anyway how your relationship should be (I know mine isn't) but it shows you what truly reflecting about your submission can reveal to you.
As delia said: "Take each seperate thing that you can think of that makes up your "world"--for instance, when you get up in the morning, what are the expectations? What about when you come home from work at night?"
Regards, ER