A quarter (25%) of women experience significant doubts several times a day, compared to just 19% for men. This trend can be seen across areas of personal finance – with almost a third of women (32%) saying they lie awake with money worries at least once a week, compared to just 23% of men

Women appear to take more responsibility for future security. Almost half (49%) of women say that saving for the future causes nagging doubts – compared to around two in five men (38%) Mortgage repayments are a worry for a fifth of men but this rises to almost a third for women – 30%

Insurance cover causes nagging worries for almost a fifth of women (19%) compared to just 14% of men

Just over half (53%) of men who lie awake at night with worries feel their well-being is negatively impacted by this, and this rises to almost a shocking two thirds (65%) for women – showing the emotional impact that nagging doubts can cause

Anne Kirk, marketing director at Swinton Group, said: “We’re a nation of worriers, and our research shows a surprising and significant gender gap when it comes to doubts about personal finance. Whether it’s meeting mortgage payments, saving for a rainy day or having the right insurance policy, women are much more likely than men to be kept awake by money worries. These sleepless nights have a negative effect on the wellbeing of two thirds of women.

“We’ve worked with experts at the Sleep School to help restless sleepers tackle the root causes of their doubts and improve their sleep. We believe that, with professional support and guidance, we can help ease those nagging doubts about money.”

Dr Guy Meadows, founder of the Sleep School, said: “Sleep is the most powerful performance enhancer known to human kind, essential for strengthening our daytime mental, emotional and physical health and well-being.

“We know that Brits are not getting the recommended amount of sleep per night, and this latest research by Swinton Group confirms that nagging doubts play a significant role in our sleepless nights, with many of us being kept awake worrying for an average of seven nights a month.

“We know that when it comes to worrying, there are some factors that we can control and others that we can’t. Understanding the difference is the key to managing our concerns and allowing us to perform at our best during the day and achieve great quality sleep at night.”