If you can't sleep, try journaling and writing about what's worrying you, says Brad Klontz, associate professor of practice at the Financial Psychology Institute.
"Dump this stuff from your brain onto paper. And I think part of us relaxes when we believe that maybe we're perhaps going to take some steps to fix this stressor."
Exercising, doing yoga or mediating are other ways to reduce your stress levels and help you calm down before bed, Ailshire says.
Keeping money worries from ruining your chances of getting a good night's rest often starts with addressing the negative feelings you have about your financial situation.
"Get over the shame, come up with a list of things you need to do and then start asking for help," Klontz says.
You can always turn to a fee-only financial planner for guidance, particularly if they're going to act in your own best interest. You can also speak with a nonprofit credit counselor if you have credit-related problems.
Your money troubles won't go away overnight. Decide what you can do right away to solve them and within the next year to finally nip them in the bud. For example, if saving for retirement is an issue, you can immediately start cutting back on expenses, says Jennifer Faherty, founder of Financial Wealth-being in Ridgewood, New Jersey.
Find a side hustle that can help you earn extra money. Or, find an online site that you can use to sell household items you no longer want, says Donovan Brooks, founder of Storyline Financial Planning in Saint Joseph, Missouri. Long term, you can consider moving or downsizing to save more for retirement, Faherty says.
This study was conducted for Bankrate.com by GfK Custom Research North America on its OmniWeb online omnibus. The sample consists of 1,000 completed interviews, weighted to ensure accurate and reliable representation of the total population, 18 years and older. Fieldwork was undertaken June 29-July 1, 2018. The margin of error for total respondents is +/- 3%.
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