Time Constraints (or WHY AREN'T THERE MORE HOURS IN A DAY?!?)

I currently work part time at a bookstore (*angels sing*), which means roughly 5 out of every 7 days I am walking among hallowed shelves, lovingly stroking pages and spines, immersing myself in the words of my heroes...oh, and helping customers find what they are looking for :)
When I'm not at work, my time is pretty much split between Things I Must Do and Things I Want To Do. Things I Must Do include the following:

1. clean the apartment
2. bills
3. work out
4. clean up after the cat
5. clean the actual cat
6. errands
7. eat
8. sleep

Things I Want To Do include the following:

1. Write
2. Read
3. Play with the cat

As you can see, TIMD far outstrips TIWTD. And since TIMD are generally bound by time constraints, with bad consequences if I do not meet those deadlines (dirty house=insects, which freak me out. Unpaid bills=debt=annoyed parents=annoyed me), they are generally the things that must be completed first. Since there are only 24 hours in a given day, roughly 12-17 of which I am actually awake, by the time I have completed TIMD, I usually only have a little time to split between TIWTD. And that is frustrating! Why should cleaning my apartment get more of my time and attention than reading? Why am I working out when I could be playing with my cat? Why, oh why, do I not have more time to write??
This is a dilemma faced by many writers, I know. Most of us are not wealthy European aristocrats, who can spend leisurely hours on a vine-covered terrace, writing, for weeks on end. Most of us have jobs, school, spouses/significant others, children, pets, family demands, and a host of other things that require giant chunks of our time. And those things are fine! If we didn't have those other things to add dimension and structure to our lives, we'd probably all go crazy with idleness. I know I would.
The trick, then, is to carve time out from TIMD for TIWTD. For the writing, this is especially important. I've taken to bringing my notebook to work, and writing on my lunch break. I started out writing all my stories longhand, back when I was a kid and wasn't allowed to use the computer without supervision. As I got older, I used a computer almost exclusively because typing is just so much faster and easier than writing longhand, but I must say it has been really nice to get back to the actual organic process of writing a story, rather than typing it. It also gives me a chance to pound out 500-600 words I may not have otherwise gotten to write in a day.
So, gentle reader, how do you make time for writing in your busy life? Any particular tricks or schedules you use? And if you happen to be a wealthy European aristocrat who can spend leisurely hours writing on a vine covered terrace, want to switch lives for a little while? I promise, the change of pace will be fun :)

~Katherine