The answer to a story problem will always come to me when I'm in the shower or don't have access to pen and paper.
I solved the second issue by buying a bunch of 3 x 4 spiral memo pads and some golf pencils. I have a pad & pen/pencil in my purse and if I'm not going to carry my purse, the small pads and pencils fit easily into my back pocket/coat pocket.
I haven't figured out how to solve the first issue though. Either I make a water mess trying to get out of the shower to write the thought down (and dripping all over the paper making it nearly illegible) or by the time I get out of the shower and dried off, whatever solution that came to me is gone.
Do you have the same problem? How do you handle it?