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Worrying about finances keeps me awake at night, what can I do?

Before bed is not the time to worry. But by talking about it here, you're more likely to understand why you need to find another slot every day, or maybe a couple of times each week, to do some highly creative and productive worrying. That way, you won't do it as you lie in bed, trying to sleep.

You might need a little notebook for your creative worrying. Or you might create files in your laptop. You could use a page in your organizer or journal. This does need to be something you carry around with you. The next time you find yourself worrying about something, you want to get out that notebook or open a computer file in the laptop and write down what you find yourself worrying about. At least a couple of times a week, you're going to sit down and focus on exactly what you're going to do to resolve that worry. You're going to plan action steps, prioritize the activities and begin to implement them. You may need to schedule appointments to talk with your mate, boss, neighbor or relative. But then, you're going to tell yourself, when that worry comes up, "Self, this is not the time to worry about that. Self, you're allowed specific times to worry about things and to work on finding solutions. But this is not a worry time, so forget it." And just let it go… that is, until the next appropriate time to worry.

Again, this is a simple sounding idea that can have a major effect on your quality of life. Remind yourself that you need and deserve to sleep well. Remind yourself that worry without action is a waste of energy.

If you still find yourself worrying at bedtime, visualize breathing in through the top of your head and then breathing out worry and tension. And as you lie down, do the bellows breath that's covered in Chapter 11-"Home James!" And when you let the long breath go, relax.

Here's a simple form of meditation you can also use. Repeat any word or phrase that is comforting to you, such as "Love" or "Peace." Certainly a mantra or religious phrase that is part of your spiritual tradition is appropriate. Pay attention to your breath. When your thoughts wander, bring them gently back to your breath. There are many books available to help you learn meditation.