Change the bad habits that are keeping you awake; exercise, make your bedroom a trigger for sleep.

Staring at the clock: a surefire way to keep yourself from sleeping.

RODALE NEWS EMMAUS, PA— Can’t sleep? If you find yourself looking up at the ceiling at 3 am thinking about your financial future, know that you are not alone. A third of Americans say that they have been losing sleep over the state of the economy and personal financial concerns, according to the results of a poll released last month by the National Sleep Foundation (NSF). The economy has added to the already epidemic number of Americans experiencing sleep difficulties: 72 percent of American adults report sleeping less than 8 hours a night, up from 62 percent in 2001. And 20 percent of adults report sleeping less than 6 hours a night, up from 13 percent in 2001.

Losing sleep does more than make you tired. Insufficient sleep is related to numerous cognitive, emotional, and medical conditions, including impaired concentration and anxiety, depression, obesity, hypertension, heart disease, diabetes, as well as memory and immune dysfunction. Sleep deprivation is a public-safety issue as well, causing tens of thousands of car and truck accidents every year. In the recent NSF poll, 54 percent of drivers said they had driven while drowsy at least once during the past year, and 28 percent said they had nodded off or fallen asleep while driving a vehicle. When sleep-deprived subjects are brought into the lab to perform a driving simulation, they perform more poorly than intoxicated subjects.

WHAT IT MEANS: If you are one of the millions of people who are not getting the sleep you need, there are several strategies you can use to improve your sleep: