Janet
James, the music's written. The first line came to me pretty much like it is here...with the music. The rest of it flowed from that, but the words are harder.
I'm in that camp too. The music for me is the easier of the two. Which is one reason I like to work with other people when composing lyric. That is a case of "two heads are better than one". Pat & I often tend to bounce lyric back and forth 6 to 8 times or more. And we have done rewrites which are second shots at the same song with equally as many bounces. My rule for writing a song and a rewrite of a song is summed up in this: Nothing is sacred.
When I work on lyrics I generally like to have my guitar and work out the idea musically at the same time I am working it out lyrically. Even if you can't sing well, you can still do what you can because you can hear it in your head...and verbalizing the words while writing helps you to see what fits and what doesn't.
Approach writing like you are writing a term paper.... yeah I know that sounds crazy and kinda dry for something that is supposed to be from the heart and soul.... but.... Start with the general over all idea of what you want to say in the song..... write it down. Now, make an outline of the idea with a first verse, second verse, chorus, and just get the outline into a workable series of notes. Next, write down everything that comes to mind, no matter how "on topic" or "off topic" it might be.
Song about my loved one.
1 V1: how we met
2. V2: why I was attracted to you
3. Ch: what you mean to me now and why
4. V3 our future together
5. Ch repeat perhaps with a word change to add new dimension to the concept in ch.
From that simple outline.... you see the main topic of each verse and can now write TO that idea.... no wandering aimlessly lyrically. It keeps you on track.
I used to only write down things I thought were "brilliant lines". Now I write everything.... because that thing you thought was off topic may be the mental clue your brain needed to find that really unique and truly brilliant turn of a phrase. If you end up in a dead end alley, simply go back to the last place where you were moving forward.... do not discard the dead end lyric.... just remove it and try again.
More than one time, I have had a dead end that worked brilliantly in a different verse. So don't scrap anything permanently....
There are a number of good writers here in the forums. In addition there are specific forums on the net which focus on the art and skills of writing. My suggestion would be to seek out someone whose writing & lyric skills you like and PM that individual and work with them to write this as a serious collab effort. Here in the forum, you will get suggestions... off line and behind the scenes, you can really get to work and develop this into the best it could be.