Can't get started

I'm having a real hard time doing things lately. I mean I'm wasting so much time, and there is so much that's need doing, or I should be doing, but I'm just not motivated to do any of it! I think everything is just coming to a head with me. I'm not sleeping well. I've never been a good sleeper and go through bouts of Insomnia, or nights where I just sleep for four or five hours....but lately it's been even less than that, maybe three or four hours if I'm lucky! I go to bed exhausted, fall asleep fairly quickly, then suddenly wake up about three hours later and not able to get back to sleep. I can't stand laying there tossing and turning, so I get up, make a herbal tea and either switch on TV and watch those mindless infomercials they have on during the night, or, most likely, come on to the computer and play games while listening to the BBC early morning programs (which are much more entertaining than anything on Canadian radio!). I finally go back to bed around 5 or 6 and usually fall alseep and then have a hard time getting up for work! So frustrating. The pattern starts again the next night! Finally last night I had about seven hours sleep, but that still doesn't make up for the loss over the previous nights! I'm also very stressed and worried about our financial situation and our business. That doesn't help the sleep problem, in fact it contributes to it! I can't stop watching the news even though it's depressing and worrying me to death. It's like a magnet, I hate it! During the day when I'm off work and have so many things to do, I am not doing it....I've lost interest in keeping the house clean, I just do the minimum. I mean what's the point of having a spotlessly clean house that is only going to be messed up and look the same within 24 hours?! I have laundry that needs sorting and ironing...well at least I got it sorted today.....the ironing will come later...I think! My husband retreates into his books when he's worried......I have a hard time doing that. I wish I could join him in his book wanderings! I feel shut out sometimes. Although he probably says the same about me spending so much time with my online friends! I feel as dull as the weather today. I like the Fall, but I hate to think of the Winter lurking around the corner.