Does Money Keep You Up At Night?

 In Health
It’s 10pm and you are all ready to go to bed. You lie down in bed, hoping to fall asleep instantly. Your partner does.
But instead of going to sleep, your mind just starts racing with all of the thoughts of the bills you have to pay, the gifts you have to buy, how you don’t have enough money to go on vacation and on and on and on. 
Worries about money is a common cause for not sleeping and waking up tired the next morning. Your money worries flow through your head all day long while you are working, then they become even more prevalent when you lay down to go to sleep. How can you possibly turn off these worries and get some good sleep?

The thoughts that you give energy to are what materialize in your life. 

So by worrying about money all day long, then all night long, you are allowing those thoughts to materialize and you’ll always have something to worry about. 
I know from my own experience that it’s not easy to change your money thoughts that are constantly going through your head all day long. It’s hard to make the changes when you really don’t have enough money to pay the bills. It’s hard to stop worrying when bill collectors are calling you all the time. And it’s hard to turn your brain off from thinking. 
But by making small changes to your thinking can help you finally get more sleep because you don’t worry about money all the time anymore!

Here are three things you can start doing to begin to slow down the money worries and eventually turn them off (I say slow down, because you can’t immediately turn them off, I tried! ):

Does Money keep You Up At Night Christine Hansen Sleep Like A Boss


1. Get a money journal and carry it with you everywhere. Then every time you have a worry or even just a thought about money, write it down in your journal. The act of writing down your thoughts, helps you to start getting them out of your head and makes the transition of not thinking about them easier. 

2. Begin a daily meditation practice. Start with just 5 minutes a day, set a timer on your smart phone. Sit down somewhere quiet, set your timer and close your eyes. Then focus on breathing in and breathing out. While you are doing this, thoughts are going to come up. You are going to go into the thought process, but when you catch yourself, just get back to focusing on your breathing.

The process of meditation and allowing our mind to actually get quiet, helps to let our minds slow down when we go to bed too. 
Then every 7 days of doing this meditation, add on 3-5 minutes to what you have been doing. For example, for week 2 you would set your timer for 8-10 minutes and week 3, you would set the timer for 11-15 minutes. Keep adding more time until you can sit and focus on your breath without other thoughts coming in to interrupt you. You will eventually find your sweet spot amount of meditation time. For me, it’s 22 minutes. You may have less time than me or more time, you just want to find that sweet spot where you can turn your mind off and concentrate on breathing. And since I meditate regularly, I fall asleep within 5 minutes of my head  hitting the pillow at night. 
3. Begin tracking every penny you spend and every penny you make.One of our biggest money worries is not having enough money at the end of the month. Our bank account may show this is true. But tracking what you make and spend will tell the real truth.
Before analyzing your spending, just track what you spend and make for 30-60 days. Get a notebook that you can write this down in that you can carry with you everywhere, or use your smart phone to keep track. It doesn’t matter if you spend money on your debit card, credit card or with cash. Write it all down. 
Then after you written down 30-60 days worth of tracking, look back through your notes and see where you spent money that wasn’t always needed. It was more of a want than a need. The biggest amount most of us spend money on that didn’t need to spent is on eating out. Do you eat out a lot? Just look at where you spend your money every month. Do you really not make enough money every month to cover all of your basic expenses? 
Money worries affecting our sleep is only one cause. There are many other parts of our life that money worries affect. So when you get a handle on your money worries, you’ll get better sleep and usually even have a better relationship with your money so that it shows up more regularly. 
Do you have money worries that keep you up at night? Are you ready to change that?


Clarissa Wilson is a money mentor who helps women build their relationship with their money so that they can build their independence with their money and never have to rely on anyone else again for money. You can begin to find the root issues of your money beliefs with her free guide at
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