That sounds familiar. I had the same problem, and I know several others who have that problem too. None of them are losers, they just listen too much to their thoughts: "Every day, 95% of us have thoughts with depressive, anxious or obsessive content. So why isn't 95% of us mental patients? The explanation is simple: Everybody has crazy thoughts, but not everybody believes in them." When fully realizing that, things change dramatically.
ACT has been very good to me. Let me recommend a book: http://www.amazon.co.uk/Happiness-Trap-Based-revolutionary-m...
 "Tankevirus" by Hanne H. Brorson (unfortunately only available in Norwegian.)
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