Women lose sleep over lots of things, like kids and work, but a new survey released by Manilla.com reveals money matters keep them awake much more than men. In fact, the study conducted by Catalyst Group revealed "Financial worries are the biggest reason women stay up at night, with nearly one in three females saying they burn the midnight oil over money woes."

Asked what keeps them awake, 35 percent of men replied "nothing."

Ah, to be a man.

Lack of time to pinch pennies is a real problem for most women, particularly those forced into the supermom role, buried in the sandwich generation, or serving as home CFOs. Here are six tips to help all you superwomen make the best use of your time to save money.

1. Co-cook
Share cooking duties with another family by creating super-large batches and dividing it for future consumption. You'll save money on supplies by buying in bulk and have the pleasure of a partner's company while you cook.

2. Avoid Multiple Shopping Trips
Take advantage of such inexpensive services as Hoseanna, which delivers a run-free pair of pantyhose to customers' doors every month. Or you can reduce time and money on food runs by opting for home delivery of groceries from sites like AmericaGrocer.com.

3. Use Mobile Coupons
Extreme couponers spend untold hours organizing and preparing for a shopping venture. Why put yourself through that when you can use mobile coupon apps right in the store? Check out PCWorld.com's list of "15 Shopping Apps That Can Save You Big Bucks" and stock up on digital must-haves.

4. Try Manilla.com
The free, web-based service Manilla helps consumers better manage all their household accounts -- including finances, utility payments, subscriptions and travel-rewards programs -- in a single, secure, online location.

5. Reduce Paper Clutter
Lack of organization drives more women crazy than men, according to the survey. Roughly half of female respondents said they felt relaxed and 40 percent happy when organized. One way to reduce the clutter that creates havoc is to pay bills online so you can just electronically file the receipts. Best of all, you don't have to write and mail checks, which always entails that lengthy hunt for stamps.

6. Shop for Presents All Year
This sounds impossible, but a little organization early on means less frantic shopping at the last minute. Which also means you won't grab an expensive item just because time is running short. And if you do find yourself panicking mid-December, don't forget about Free Shipping Day on Friday, Dec. 16. With free shipping offers from 2,000 merchants, this one-day event gives supermoms the added power of making last-minute purchases for arrival by Christmas Eve.

Andrea Woroch is a nationally recognized consumer and money-saving expert for Kinoli Inc.