I routinely run into this problem, and I\'m not sure how to get past this hurdle. I really want to start learning and applying Test-Driven-Development (or BDD, or whatever) but
Just an idea...
Take the requirements for the CRUD, use tools like watij or watir or AutoIt to create test cases. Start creating the UI to pass the test cases. Once you have the UI up and passing maybe just one test, start writing the logic layer for that test, and then the db layer.
For most users, the UI is the system. Remember to write test cases for each new layer that you are building. So instead of starting from the db to app to ui layer, start in the reverse direction.
At the end of the day, you would probably have a accumulated a powerful set of regression test set, to give you some confidence in doing refactoring safely.
this is just an idea...