Actually, I think this problem is quite common. When something is bothering you or you have a major life decision to make, it's hard to fall asleep � you just lie there thinking about the things that are bothering you and then are tired and lethargic during the day. Personally, if your problems are getting so bad that they interrupt your natural sleep patterns, I would recommend talking to someone about them (psychiatrist, therapist, counselor, spiritual advisor (eg, priest), etc). The sleep loss is only a symptom of a larger underlying problem.

Also, I'd make sure that you're practicing good sleep hygiene:
1. No caffiene
2. No smoking
3. No alcohol
4. No naps
5. Give yourself some time to unwind before you go to bed. Take a bath, watch TV, read - anything that will help you relax.
6. Don't use your bed for anything but sleep (sex is ok, too!). Don't watch TV or eat in bed. You want to train your body that going to bed means going to sleep.

If none of that helps, you can try taking sedatives, too, but be careful because many prescription sedatives like valium and temazapan can be highly addictive.