What’s keeping you awake at night? For many UK adults, the answer will be ‘money’. According to Neyber’s DNA of Financial Wellbeing 2018 research, more people worry about their finances than about divorce, living arrangements or even their physical health.

Thirty nine per cent of the 10,000 people surveyed said that financial worries are making them unhappy - and the younger you are, the more likely you are to be concerned.

That financial fear-factor is being driven by many different things. Some of those are within our control (such as paying the bills), and others aren’t. For example, 45% said that the uncertainty of Brexit is adding to their woes.

If money is preventing you from dreaming instead of helping you to achieve your dreams, here are five tips to help you sleep easier at night:

Build a financial safety net

Neyber found that less than a third of adults have a month’s salary in savings and 14% have no savings at all. None of us know what’s around the corner financially. An unexpected bill or drop in income can be a real source of stress if you don’t have any money in reserve.

Cultivate your credit score

Your credit score is a passport to the best value deals and most affordable loans. However, three in ten people say that they have no understanding of credit scores and 66% don’t check their score regularly. Make sure that yours in the best possible condition.

Get into the budgeting habit

Knowing how much money is coming in and going out each month is essential to good financial health, but 70% of under-30s say they borrow regularly to cover basic financial needs. Understanding how you are spending your money makes it easier to spot where you can make economies, such as cancelling subscription services that you don’t use.

Give your debt a health check

Household debt has increased by 7% in the last year alone, so keeping borrowing under control is essential. Make sure that your debt is as affordable as possible Credit cards and bank overdrafts are easily accessible, but they are also costly. Find out if your employer offers an affordable loan scheme or debt consolidation service, and take advantage of what’s on offer.

The more you know, the more you can achieve. You don’t need to transform yourself into a financial expert, but knowing more about money management builds confidence. Neyber found that 24% of adults have little or no confidence when it comes to managing their money, so make the most of any financial education or advice that your employer offers and take a look at financial websites that give hints and tips on money management.