I have the same issue, Tempo, yet I find time to write. I have a personal technique that works for me, and it's coming to the computer ready to write. That means I've pre-thought out the next scene--who is going to be in it, what the characters are going to do and what they will say (in very general terms), how the scene will move the story forward and contribute to the story arc, what the tone and mood will be, how the setting will contribute to all of the above. With those things in my mind (sometimes with a post-it note or two) I can be very efficient with my limited writing time. And it's not rigid planning. The scenes still evolve as they are being written, and the characters are free to shape their contributions to the scene. The best part--while we may not have time to sit down and write several times during the day/night, we do have times when we can turn our minds loose and just think. We drive places, take showers, do all kinds of mindless things that can be turned into mindful things with that scene planning. Many of us do this now, but with a little more focus, it can get us ready to write for when an opportunity presents itself.
Actually I suggest "coming to the computer ready to write" is something most writers should do whether or not they are limited in writing time. It's efficient, at least for me.
And there are two things that can be put away to free up time for writing: cell phones and the internet.