How to fall asleep when you have money problems is something you may be forced to deal with during this present financial crisis.
    When you go to bed, instead of falling asleep immediately do you start thinking of bills that have still to be paid?       Do you start thinking about are dozens of different money problems that come to mind?   This is quite understandable, especially with the current recession.
    If you are employed, when you go to bed, you may start worrying how secure you job is and whether there is any danger of retrenchment.
  If you are running your own business, you may worry about money that is owed to you and wonder how soon the money is going to come in or whether your customers and clients have serious money problems.
  It is very difficult knowing how to fall asleep quickly and easily during these difficult times.
      But it can be done.
The sooner you get into the habit of forgetting your problems and go to sleep immediately you go to bed at night, the better for your health.
  The ability to pay no attention your financial problems when you go to bed is a habit that can be developed.
  It's not easy.
 But it can be done.
  If you keep on thinking about problems when you go to bed, instead of focusing on sleep, you have developed a bad habit.
It's a bad habit that should be changed.
   A bad habit cannot always be broken by will power alone.
 It is difficult to force yourself to stop doing something, even if you know that it is that is harmful.
 The most effective way to break a bad habit is to replace it with a good habit.
  Easier said than done, you may say.
 Not really!   Here is a useful  tip that will help you break your bad habit of not sleeping immediately you go to bed.
  It  will help break you break your bad habit of worrying about money problems at night.
  Of course your money problems may be real.
 They are not going to go away by simply ignoring them.
 But night time, just before  going to be, is not the time to start thinking of solutions.
  Here is a  useful tip to help you develop the good habit necessary to sleep  well  at night.
  Get a sheet of paper.
 Write down all the positive things in your life that you know are present in your life at this particular time.
 Call them your blessings.
    Perhaps all the positive aspects listed below may not apply to your particular circumstances.
 If not, replace them with positive features that you know do exist.
    You will find many if you put your mind to it.
But here is a possible list:

• You have a loving relationship with your partner who knows all about your money problems and is just as  concerned as you are, and is trying hard to help you as much as possible
• You are strong and healthy and the minor illnesses you or your family may suffer from are not serious.
  
• ·You have a wonderful family.
  You are blessed with children that admire and respect you and are aware of the difficulties you are going through at the moment.
  
• Your children are talented and intelligent and are doing well at school or in their jobs
• ·You have many friends who like you and respect you and, if necessary, would be willing to help you in some way.
  
• When you compare your situation - even though it may seem fairly desperate at the moment - with the situation of some friends and acquaintances  you know who have far more serious  problems than you, both from the health and financial point of view, you realize how fortunate you are.
  
• Finally,  make a positive plan of action to consult a financial advisor or  advisory service that can suggest positive steps to deal with your present financial crisis.
  
• Make a definite appointment and set a definite date to meet with someone who can look objectively at your financial situation and give you positive ideas how best to handle your present difficulties.
  

Write all the above down on a sheet of paper.
Read what you have written during the day.
 Read it again at night before you go to bed.
  You'll fall asleep counting your blessings.
  Insomnia is a complex problem that causes a great deal of distress.
Because of the limited scope of this article it is impossible to deal with the great variety of sleep problems that people suffer from and how they can be solaved.
  Effective solutions are available to solve most sleep problems.
 You'll find a great deal  more information about insomnia and how to end it on the following website: http://www.
effectivesleepsolutions.
com