"I would love to write a novel and have some great ideas, but I just have no time to write."
My response to this is, "Wah, wah, wah," accompanied by the "little-violin-playing-just-for-you gesture. You're either a writer or you're not. Writers squeeze their passion into whatever time they can, and make it a priority.
Before becoming disabled in 2009, I always had a day job, and plenty of real life responsibility – keeping house, raising children, chauffeuring family members to appointments and errands, helping with my husband's business (and later working for it full-time). I found writing time by either staying up until after everyone was asleep, or, more often, rising very early (4 or 4:30 each morning) before anyone was awake.
I set my goal at a minimum of two pages per day. Now that may not seem like much, but in six months, two pages per day adds up to 360+ pages. That's a respectable novel or short story collection.
During the time when my children were still small, I wrote six motion picture screenplays, two novels and over 100 short stories.
After my separation and divorce, when I starting working outside my home, I used my lunch break to scribble out my two pages, and then when I got home and dinner with my kids was over, I often added more, and polished what I'd completed on my lunch break. I wrote and edited "Holy Terrors" in about a year.
When I worked as a pharmacy tech, I kept a notebook in my lab jacket pocket and noted down all sorts of anecdotes and ideas that went into my novel "MEDS." I never got a meal break at that job – hell, I rarely had time to use the bathroom. But I could jot little things down as they happened.
If you have a book in you, you will find a way to get it onto the page or into your computer. Save all that time you spend whining about not having time to write, plant your butt in a chair and just do it. Every day. Even if you keep a notebook in the bathroom. A written page is a written page.