For the longest time I found it hard to commit time in my day to writing, and in some ways I still do.  However, I finally learned that I’m really creative at night.  After dinner something just happens to my brain and I go crazy!  It’s like, ‘okay, time to go to bed’ and suddenly my brain says, ‘NO!  Don’t sleep like a sane person!!!  Stay up late and write!!!’  So I do.  I take my laptop into bed and read two or three chapters each night (I don’t plan that, I just stay up until ten, so how many I read depends on how much time I have, length of chapters, etc.).  In the afternoon I have loads of time, but for some reason I just can’t concentrate.  I get really tired and easily bored.  I used to try to use all that time to write, but now just a half hour before bed gets more work done than two hours in the afternoon.  So study yourself and figure out when you’re most productive and leave that time free for writing.  And also know your personality: I do well with routine and schedules, but maybe you’re better just wingin’ it!