finding time to exercise

So those of you with jobs and children and households to run, when do you find time to exercise? I am having a really hard time figuring out how to find time to even walk regularly lately, much less get over to the barn and get on a horse.

I don't seem to do early mornings that productively, and frankly, I don't live in a neighborhood where I can/should be out walking around much at night in the dark...