SeaComm Federal Credit Union OFFICIAL BLOG

7 Ways to Stop Losing Sleep over Money


How are you sleeping these days? If you’re like the majority of Americans, the answer is, “not so well.” And there’s a good chance money is to blame. Financial stress is a serious challenge for many of us, distracting people from more important things in life – like work, relationships, and sleep. Here are 7 easy ways to give your stress-filled mind a rest once your head hits the pillow.


Make time to ponder and plan during the day. Most of the thoughts that come to us at night are thoughts and worries that we push to the back of our mind during the day. (i.e. bills, debt, grocery list) Allowing time to process these thoughts fully will help to ensure that you don’t torture yourself with them later. Try reserving 30 minutes each day to sit, plan, and coordinate your thoughts regarding money and personal finance.

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Clean your sheets on a regular basis. Financial hygiene is a lot like sleep hygiene. It’s important to maintain a clean, neutral sleeping environment – enhancing your comfort level for the best possible sleep.


Keep a notepad by your bed. If you find that after organizing your thoughts and financial woes during the day hasn’t helped, take notes of passing thoughts using a notepad by your bedside. Writing these things down will allow you to relinquish any worry of forgetting them later, and allow you to sleep – knowing that you’ve been semi-proactive.


Give up caffeine after Noon. If you have trouble sleeping on a regular basis, it’s in your best interest to give up caffeine and other stimulants (soda, energy drinks) after Noon. Caffeine lingers around in the body longer than most people realize– causing restlessness and anxiety when it comes time to sleep.

soundTry sound-therapy. Invest in a sound machine to help block out background noises and endless thoughts. Choose from a selection of natural sounds like ocean waves, rain, and white noise to ease your mind of worry and financial woes.


Establish a nightly routine. Training your body is the easiest way to ensure a night full of rest, rather than a night full of stress. For example, if you usually grow tired by 10pm, make it a nightly plan to be in bed (sans phone and TV) by 10:15pm.


Wear socks to bed. Especially this time of year – cold feet can lead to a discomfort that can keep you awake throughout the night.

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