Add my name to the list. I too have the same problem, and yes, i too should be studying right now. What i will say about schedules. I have learned, over the past month or so that i have been using a schedule, that it seems to be best to have a semi rigid schedule. Have a routine that you follow for the first 2 hours you wake up (this is just an example) and then be flexible for the rest of the day until you come home from work, then follow a rigid 2 hour schedule again.
Following a rigid schedule helps you to get more done in less time. Take something that you know you have to do everyday (eg STUDYING) and force it into a habitual routine (i know... redundancy LOL). Oh, and it helps if the routine starts at a specific time or event such as after work, or when you wake up. That will make it easier to stick to since you know that everyday when you wake up you have a list of things to do. This method will allow you to compact those things that you have to get done anyway into a smaller amount of time. This frees up time for you to explore and be flexible with your activities.
Wow... that sounds like really good advice... im gonna have to follow it myself!