--- title: 'Saving Money Might Be the Secret to Better Sleep: Study' description: People who save money regularly get better sleep and feel more relaxed than those who don’t, according to a new report. authors: - name: Pete Grieve role: Lead News Reporter url: https://money.com/author/pete-grieve/ bio: Pete Grieve is a personal finance reporter at Money who frequently writes about news and trends related to car buying, auto insurance and gas prices. education: University of Chicago, BA Political Science at_money_since: 2022 articles: 602 covers: - Personal Finance - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Professional Services - Retirement - Shopping - Taxes social: - https://twitter.com/pete_grieve - https://linkedin.com/in/pete-grieve-b5aa02138 - https://www.facebook.com/petegrieve4 editors: - name: Julia Glum role: Managing Editor url: https://money.com/author/julia-glum/ bio: Julia Glum joined Money in 2018 and specializes in covering financial trends that affect everyday Americans' wallets. She also writes Dollar Scholar, a weekly newsletter that teaches young adults how to navigate the messy world of money. education: University of Florida at_money_since: 2018 articles: 453 covers: - Personal Finance - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Professional Services - Retirement - Shopping - Taxes - Technology also_seen_in: - Newsweek - International Business Times - CBS News - Good Morning America - WUSA9 - Pix 11 - The New York Times - Mashable - The Washington Post - CNBC - Politico social: - https://x.com/superjulia - https://www.linkedin.com/in/julia-glum published: '2024-07-12T19:41:05.000Z' modified: '2024-07-12T19:43:12.000Z' section: Personal Finance tags: - News word_count: 533 canonical: https://money.com/save-money-sleep-better-study/ type: NewsArticle source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Photo-Illustration of a woman hugging a pillow with a hundred dollar bill print](https://img.money.com/2024/07/News-Saving-Money-Improves-Sleep.jpg) Managing your finances can be so stressful that you lose sleep, but new research suggests a solution: putting money into a saving account every month, even if it’s just a small amount. According to a July report from the [University of Bristol's personal finance research center](https://www.bristol.ac.uk/geography/research/pfrc/themes/capability-behaviours-wellbeing/savings-wellbeing/), located in England, people who save regularly get higher-quality shut-eye than those who don’t. Folks who save money are also much more likely to feel relaxed most of the time. "Regular savers tend to feel more optimistic, are more satisfied with life, and sleep better," Susan Allen, chief executive officer at the Yorkshire Building Society, which sponsored the research, said in the report. ## Open a High-Yield Savings Account today and start earning interest ### Take advantage of an FDIC insured, High-Yield Savings Account from SoFi®. Click on your state and find out more. [View Rates](https://money.com/pr/b6d40efa5682?ap_referrer=%2Fsave-money-sleep-better-study%2F) The researchers posit that [saving money](https://money.com/saving-money/) leads to less anxiety about money and greater well-being overall. Put simply, the ability to pay for unexpected expenses gives people with savings less to worry about: "Building a safety net — no matter how small — really does pay off in peace of mind and providing security," Allen said. However, it's crucial to make saving a regular habit in order to get those benefits. ## How saving money can help you sleep To draw these conclusions, the Bristol center analyzed a long-running United Kingdom study with survey data going back more than 10 years. Called Understanding Society, the study bills itself as “the largest longitudinal household panel study of its kind.” According to the researchers, the amount you save isn’t the end-all-be-all. Even if you're not in a position to put away huge sums of cash, making it a goal to save *something* is often rewarding. Among people who don't save, only 72% say their sleep quality is "very" or "fairly" good. That figure rises to 78% for those who save something each month, no matter the amount. The report also found that low-income people who save money regularly have similar life satisfaction levels as people in much higher income brackets who do do not save. With that said, saving larger amounts appears to make a bigger difference: Higher shares of people who saved at least £500 (the equivalent of about $650) per month responded that they sleep well, feel relaxed and have optimism about the future than those who save smaller amounts. There are many reasons to save money for people in basically all financial situations. Early on in your career, it's important to build up enough of a fund to weather an emergency like a job loss or medical crisis. Saving money can also get you on the path to major purchases like a first home, and it’s never too early to [save for retirement](https://money.com/save-for-retirement/). In the United States, [high-yield savings accounts](https://money.com/best-high-yield-savings-accounts/) and other savings tools are currently earning savers significant returns due to the Federal Reserve’s high [interest rates](https://money.com/fed-interest-rate-cuts-september-predictions/). Investing in the [stock market](https://money.com/july-best-month-for-stock-market/) can be more unpredictable, but folks with longer-term goals should consider investing options in addition to savings accounts. Getting into a routine where you save consistently is the key to success — and, apparently, catching some z's. ## Compare Savings Accounts rates today ### Up to 2-day-early paycheck ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [Sign Up](https://money.com/go/f684ba66b6db?bidid=4131154466&pmeta=p129-c561-u25621&ptid=672305795&ptoken=8fe14f00f42ab26990f6cd2d01084fe2) ### No monthly maintenance fees ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [Sign Up](https://money.com/go/a4f3765bf939?bidid=4131154462&pmeta=p129-c561-u25621&ptid=672305795&ptoken=034c638dacb92c1d6f843fe539955108) ### Open an account in 5 minutes ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/40232/medium_cfa5e5b0-4ccd-4dc6-814f-910bb4151eb3.webp) Our Partner [Sign Up](https://money.com/go/93ab0ca4e3f2?bidid=4131154470&pmeta=p129-c561-u25621&ptid=672305795&ptoken=809c1446aecfe1edf85360c60144ca34) ### $500 minimum opening deposit ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [Sign Up](https://money.com/go/9bc72a7a06f5?bidid=4131154472&pmeta=p129-c561-u25621&ptid=672305795&ptoken=f54a4a4572a58fd10d629df3ffb07a17) ![](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) With a Savings Account from SoFi®, you can save money while earning it [View Rates](https://money.com/pr/s46e80315d91?ap_referrer=%2Fsave-money-sleep-better-study%2F) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/save-money-sleep-better-study/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Personal Finance", "item": "https://money.com/personal-finance/" }, { "@type": "ListItem", "position": 3, "name": "Saving Money", "item": "https://money.com/saving-money/" }, { "@type": "ListItem", "position": 4, "name": "Saving Money Might Be the Secret to Better Sleep: Study" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/save-money-sleep-better-study/#webpage", "url": "https://money.com/save-money-sleep-better-study/", "name": "Saving Money Might Be the Secret to Better Sleep: Study", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2024-07-12T19:41:05.000Z", "mainEntity": { "@id": "https://money.com/save-money-sleep-better-study/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/save-money-sleep-better-study/#breadcrumb" }, "dateModified": "2024-07-12T19:43:12.000Z" }, { "@type": "NewsArticle", "headline": "Saving Money Might Be the Secret to Better Sleep: Study", "articleSection": "Personal Finance", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2024/07/News-Saving-Money-Improves-Sleep.jpg", "width": 2016, "height": 1344, "caption": "News-Saving-Money-Improves-Sleep" } ], "author": [ { "@type": "Person", "name": "Pete Grieve", "url": "https://money.com/author/pete-grieve/", "@id": "https://money.com/author/pete-grieve/#author", "description": "Pete Grieve is a personal finance reporter at Money who frequently writes about news and trends related to car buying, auto insurance and gas prices.", "image": "https://img.money.com/2023/02/peter.png?w=350&h=430&crop=1", "email": "peter.grieve@money.com", "jobTitle": "Lead News Reporter", "alumniOf": "University of Chicago, BA Political Science", "sameAs": [ "https://twitter.com/pete_grieve", "https://linkedin.com/in/pete-grieve-b5aa02138", "https://www.facebook.com/petegrieve4" ], "worksFor": { "@id": "https://money.com/#organization" } } ], "publisher": "https://money.com/#organization", "datePublished": "2024-07-12T19:41:05.000Z", "description": "People who save money regularly get better sleep and feel more relaxed than those who don’t, according to a new report.", "abstract": "People who save money regularly get better sleep and feel more relaxed than those who don’t, according to a new report.", "@id": "https://money.com/save-money-sleep-better-study/", "inLanguage": "en-US", "dateModified": "2024-07-12T19:43:12.000Z", "editor": [ { "@type": "Person", "name": "Julia Glum", "url": "https://money.com/author/julia-glum/", "@id": "https://money.com/author/julia-glum/#author", "description": "Julia Glum joined Money in 2018 and specializes in covering financial trends that affect everyday Americans' wallets. 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