Money worries keeping Americans up at night

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(CBS) -- Do worries about money keep you up at night? You're not alone.

Based on a survey by CreditCards.com, 65 percent of Americans said they had lost sleep over money worries. Compare that to 2009 when the economy was in a recession, and you'll find that the percentage of Americans with the same financial concerns was only four points higher than this year.

The survey was taken in early April and represented a national sample of Americans. The survey's results are in contrast to the rise in consumer and investor confidence that followed the presidential election.

The survey found that Americans aren't just worrying about money, but they're also constantly changing which specific issues are causing that worry. For example, on the list of issues that cause Americans stress, health care bills and the cost of health insurance are at the very top. 38 percent of people who took the survey said they lose sleep over those healthcare related issues.

"Retirement has long been America's main financial worry, but now it's all about health care," said Matt Schulz, senior analyst at CreditCards.com.

Other factors that ranked high on the list of financial worries that cause people to lose sleep include educational expenses. Those worries have actually become bigger than ordinary bill payments and credit card debt.

So, what's the best way to make sure you're taking care of the worries that keep you up at night? Don't ignore them, Schulz warned.

"People hate when things are out of their control," he said. "Too often, people will bury their head in the sand and ignore an issue."

He advised taking small steps, such as making a budget, selling unused items or trimming the things that cost you money, can help lessen the burden of financial woes.

"Do something, even if it's a small step," Shulz said. "Small actions, added together, can help you feel more empowered and sleep better at night."