How to sleep better when you’re worried about money
Lying awake worrying about money can leave you feeling exhausted and overwhelmed, especially when you know you need rest to cope with what’s on your mind.
The tips below are designed to help you improve your sleep, even when your finances feel uncertain.
Why does worrying about money affect sleep?
When something is weighing on your mind, your body releases the stress hormone cortisol. Elevated cortisol levels can make it harder to relax and fall asleep.
Over time, this can create a difficult cycle. Stress disrupts sleep and poor sleep then increases stress and anxiety, making worries feel even harder to manage.
Steps to help you sleep better when money is on your mind
- Write your worries down
If your thoughts are racing at night, try creating a ‘worries list’ before bed.
Write down everything that’s concerning you – such as bills, payment deadlines or phone calls you may be putting off. Next to each worry, note one small action you could take, for example seeking advice. This can help your brain feel more in control and make it easier to switch off.
If you feel able to, talking to someone about your worries can also help – you don’t have to dela with money concerns alone.
- Create a wind-down routine
It’s difficult to move straight from stress to sleep.
In the hour before bed, try to follow a routine that signals to your brain it’s time to relax. This could include going screen-free, reading, listening to calming music or practising gentle breathing exercises.
- Set boundaries for money thoughts
If money is the first thing on your mind when you lie down, gently remind yourself that you’ve acknowledged the worry, added it to your list and will deal with it tomorrow. You may find it helpful to set a specific time during the day to look at your finances or seek advice, so those thoughts don’t spill into bedtime.
- Be mindful of stimulants
Caffeine, nicotine and alcohol can all interfere with your sleep – particularly when your mind is already overstimulated by worry. Where possible, avoid caffeine later in the day and limit alcohol, as it can worsen anxiety and disrupt sleep quality.
We’re here to help
If you are struggling with debts call us on 0800 072 1206. We’re open from 8am – 8pm Monday to Friday and 9am – 3pm on Saturdays.
Alternatively, you can visit our www.payplan.com/bfawu to speak to us via live chat or WhatsApp
