Scheduling errors. Or is it sleeping errors?

I’m coming to the conclusion my schedule needs adjusting again.
In theory, starting work at 6:30 a.m. works well. I’m a morning person, I’ve been waking up at 5:30 a.m. for years—by choice—so it shouldn’t be a problem (currently I prefer rising at 5 a.m.—more time for exercise, TV, e-mail—but I can pull off 5:30).
Except that I don’t want to use an alarm because TYG wakes up (usually) in the 6:30-7 a.m. range, and she doesn’t need me waking her any earlier. As a result, if I wake up at 4:30 a.m., I’m likely to get up; I know from experience that if I go back to sleep at that point, I’ll probably oversleep. Thirty minutes late is doable, but if it’s longer than that, I’ll have to hustle to get anything done.
Case in point: I woke up late this morning, then spent more time than I should discussing wedding plans with TYG. So my imp of the perverse starts whispering that since I’ve already blown the day, it doesn’t really matter if I goof off a little more … end result: I complete my day’s eHows but none of the fiction I wanted to do.
So I need a time warchest, I think. A couple of eHows above my normal quota so that if I wake up late, hey, I’m not behind, I’ve already done the first article.
I already do extra articles to make up for vacation time (and with holiday festivities and guests coming in, I’m going to need them) but this would be a separate time bank. Just for oversleeping.
I made myself do the first one tonight, so I have it in reserve. The holidays will keep me from squeezing out any more, I suspect, but maybe I can add a couple more once we’re past New Year’s.
Fingers crossed.