KM.
It's not as hard as it seems. I have about the worst case of insomnia anyway, so I'm up all night and all day. I might take a nap for two hours or so while the kids are at school, but usually not. The meds the doctor gave me to help knock me out for fifteen hours, so yeah. I don't take them. I have all the time in the world to write.
But, most people need sleep. This is my personal work schedule. I'm not sure about your kids and husband or what their schedules are, so adjust times accordingly, of course. (If you were to choose to work this way. Some people just go for it. Whatever works for you.) When I am able to sleep the night through for a couple of weeks, I start at 7 with edits (simple grammar stuff) and rereads of what I wrote the day before. At about 8:30 or so, I write for a while, till around 10. I do my housework from 11 till 1 and research in the afternoons while the kids are at tutoring and finishing homework. Then, after my evening family stuff is done, I do other work, like market research and stuff. If it's a night I can't sleep, I write extra or do more research on markets. And at some point during the week, I update my blog.
Now, I don't know when I'll be able to fit in querying and such, but I'll get there... maybe.