I have this problem too. I have taken ambien a few times and it's the some of the only times I have ever gotten a good night sleep and woken up refreshed.
Also, when your laying there and your mind is wondering about everything under the sun, think of a bunch of random objects in a fast sequence, in a dreamy, trippy way. For example picture a lightbulb, a ball, a doorknob, a DVD player, a towel and so on. That probabaly makes no sense and sounds absolutely stupid but it works much better than worrying about your bills, or fantasizing about how you would decorate your mansion if you won the lottery, while your laying there tossing and turning at 4:00 am.