Pause for a moment and think about the formal training you've received in generic problem solving. Not much, huh? Then think about a typical day and estimate the number of problems that you solve, ranging from the most trivial to the four-alarm, let's-call-a-crisis-meeting-before-we-all-die variety. Obviously not all problems warrant a systematic, structured approach, but often we could find better solutions just by taking a minute or two to make sure that we've defined the 'problem' correctly in the first place.
Some of you may have heard about the problem faced by a building manager with slow lifts. The level of complaint had become so great that action was imperative. All the 'obvious' solutions were either expensive (for example, reprogram the lifts) or infeasible (for example, build more lifts). Then someone thought a bit harder about the problem - it wasn't that the lifts were too slow, it was the fact that people were getting annoyed while they were waiting for the lifts to arrive with nothing else to do. The eventual solution: install reflective glass on the walls around the lifts, giving people a chance to check out their appearance (and maybe that of others around them ...) while they were waiting. Cost: reasonable. Result: far fewer complaints.
I've included Creativity in this section because, to me, defining a problem and finding potential solutions to it are creative acts. If you're totally convinced that you're genetically incapable of creativity, suspend that thought for a while because, as some of the websites I'll refer to below will explain, creativity can be learned.