Please can someone please tell me how or why I am close to 1500 in tactic trainer yet my rateing is a current 1190 and dropping from 1365 or something?

I wish I had the time to study more, a few mintues here and there, reading parts of blogs, articles even the short amount time spent in book store going thru chess books is not working for me. If some one has any ideas on how a busy person can study more while rasing a four year old son and working, please let me know.