Strategies to find creative time

How to deal with the lack of time for writing or composing? Two different strategies come to my mind:

A) Work part-time, each day, with a regular schedule. Keep the morning for composing, the afternoon for regular job.

B) Schedule all the work in a bundle of weeks or months, then plan a few weeks for composing. No break allowed. Clients already informed in advance.

Contract with your principals or clients. Be very clear in making your composing time non-breakable. Make sure your time is yours.

Don't think you need a lot of money. You need what is needed, and can spend less when income is slow. Money will never be enough, but time is much more important, and ends sooner.