I work part time as a college instructor, so I have to fit my writing schedule in with teaching and preparing for my classes. On a typical non-teaching day, the first thing I do after eating and working out and all that is write 500 words on one of my ongoing projects. Then I check email, deal with Twitter and website updates, work on class prep, and work on marketing stuff If I need to. Since I usually double up on revising and drafting, I like to do revision work in the morning if I can. Then I eat lunch (I like to watch TV while I do so, as a break.) After lunch I get my 1000 words in and take care of anything else that might need tending to (usually more revisions or marketing). A big thing that I like to do is set times for how long I'm going to work on a particular thing--so I'll say I'm going to revise for an hour, work on marketing for an hour, and so on.
On teaching days I focus just on writing/revising and work out around my class schedule.
If you want to publish your work yourself as a Kindle ebook or whatnot, it's actually completely free . However, most indie authors I know do pay someone to edit their work or help design an attractive cover, which helps boost sales.
And as kimberlyderting points out, traditional publishing is always free (except for postage, of course, but most publishers go the email route these days).