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Situation: I've done a thing very late. And because of that I am having a lot of problems today. I regret it.
IN MY THOUGHT NOW: Maybe if I've done that earlier, then I would not be experiencing all of these problems.

How can I say that, like a native speaker does? I mean if I'm talking to a native, how can i say what's IN MY THOUGHT NOW?

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anonymousMaybe if I'd done that earlier, (then) I would not be experiencing all of these problems.

Normally this suffices to explain what you think now. If you want to make it more explicit that it is in your thoughts now, you can say e.g.:

I'm thinking now that I wouldn't be experiencing all of these problems if I'd done that earlier.

Comments  

There are, of course, a million ways to say anything, but changing your attempt as little as possible:

Maybe if I'd (I had) done that earlier I wouldn't be having all these problems.

 GPY's reply was promoted to an answer.