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Wellbeing

How to get a good night's sleep while you tackle money worries

Posted 25 January 2017 by Christine Walsh

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Four top tips to help you sleep, if you’re worried about money.

Are your money worries stopping you from getting a good night’s sleep? Almost half of those who consider themselves to have a debt problem struggle sleeping. So how do you beat money worries and insomnia? Try our ideas.


1. Make sure your room is sleep-friendly

Try to make your room the perfect sleeping environment for you. Changing your pillows, or simply adding an extra blanket can make all the difference. You can limit the amount of light in your room with darkening curtains and earplugs might be the answer, if noise is an issue.


2. Create a bedtime routine

A solid bedtime routine should also help signal to your body that it’s time to sleep. Limit the amount of time you spend on electronic devices at night, and try to stick to the same bedtime as much as you can. You could try listening to an audiobook, soothing music or reading before bed.


3. Talk it through

You might find that talking your money worries through with a friend or family member makes a huge difference to how you feel and how well you sleep.

Put some time aside and have a chat with someone you trust about the situation. It’s even better if you can find someone that has been through something similar themselves. They might be able to offer some sage advice and help you put together a plan.


4. Make a plan

Money problems aren’t going to go away overnight, but if you put a positive plan in place for how you are going to tackle them, this can ease the worry.  What that plan looks like will depend on your situation. Put some time aside to work through your plan – it often helps to write it down too.  You might decide to put a budget together and cut back in certain areas, or find an extra job to boost your income.  Or, you could decide to speak to your creditors, if you’re falling behind with your repayments, to try to agree a reduced payment with them.

Whatever you decide, you should find that once you know the problem is being dealt with, sleep comes a lot easier.

*OnePoll questioned a nationally representative sample of 2,000 adults aged 18 and over between 20thJanuary and 27th January 2015, of whom 635 were in Scotland.

by Christine Walsh

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To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.