Are your financial obligations keeping you up at night?

OcusFocus, ThinkStock

A new report from CreditCards.com shows that 62 percent of Americans are losing sleep over at least one financial problem.

According to the study, the most common money worries are saving enough for retirement, paying educational expenses and healthcare bills. At the peak of the recession in 2009, 69 percent of Americans were losing sleep because of money. In 2007, 56 percent were doing so.

Those losing the most sleep are people between the ages of 50 and 64.

"These are folks who have retirement pretty close on the line, but might also have a college-age student," said Matt Schulz, senior industry analyst of CreditCards.com.  "This age group is right in the crosshairs of America's two biggest financial worries."

Among the findings:

  • Two in five Americans say worrying about retirement keeps them up at night at least occasionally;
  • 29 percent say healthcare expenses are keeping them up at night;
  • 27 percent lose sleep over their monthly mortgage or rent;
  • 21 percent lose sleep over credit card debt;
  • 69 percent of those with annual household income below $75,000 are losing sleep over at least one of these issues, which applies to just 51 percent of those with an annual income of $75,000 or more.

Worries over educational expenses continues to grow.

"The biggest change over the past eight years has been the steady increase in the number of people losing sleep over educational expenses," Schulz said. "This is the only category that has gotten worse since the Great Recession. Unless something slows the rapid rise in college costs, paying for school could become Americans' biggest financial worry in the near future."

Younger adults are most troubled about educational expenses. In fact, 50 percent of those ages 18 to 29 are losing sleep worrying about how they're going to pay for educational expenses. That compares to only 31 percent of the overall population who have this fear.

In order to get more sleep, Schulz suggests people stay in control. One way to do that is to make and follow a budget.

"Cut back on spending or do something that will help you feel a little more empowered and in control," Schulz said. "They say money can't buy you love or happiness, but it certainly can buy you a better night sleep."