I get kind of freaked out when it comes with paneling and especially placement of word balloons too! I found these really helpful and straight forward. http://lilrivkah.livejournal.com/168859.html & http://www.idrawdigital.com/2009/11/tutorial-composition-and-page-layout/
I know at least one other commenter said this, but I definitely think you should work on finding a very small project you can finish. Come up with anything that you can conceivably go from beginning to end with, without loosing too much steam, or, because its so short, you can power through even if you get bored without torturing yourself. You mentioned having trouble "thinking small scale" so in this case I recommend this: try taking a small scene from a larger story, and finish that. Just focus on achievable goals.
At the same time, if you're still working out the bugs of /how/ to make comics, you might worry less about what story you're working on, and just make whatever you feel like for practice. Take the pressure off, and jump from story to story experimenting and be happy! But if you post any of that online, make sure you make it clear its practice, and not an on-going story, so your fans can support you without being disappointed.
Though I think a lot of artists would agree that the best way to make a comic is to just commit and make it. You're always going to be growing and getting better as an artist as long as you put the work in, but because getting better as an artist is a constant, you'll probably never reach a point where you say "Ah, now I'm good enough".
With any luck some of that is helpful? Regardless, do what feels right to you, and best of luck.
