Sleep anxiety getting bad again😔😥

I thought I had it under control and that it was becoming less of a problem with every night of sleep I got, but it's not. I've noticed that my bedtime anxiety is getting bad again. Like if I have a busy day the next morning or just an early appointment, I overthink things as usual and it causes my anxiety to spike up and it keeps me awake. For example, if I have to meet with someone for breakfast in the morning, I'll unintentionally psych myself out with thoughts like "What if I don't hear my alarm?" "What if I wake up late?" etc. The same thing happens if I sleep in too late which does happen every now and then or if I don't do a lot of activity during the day, but the reverse psychology of me acknowledging that I won't be able to sleep that night because I slept in too late or didn't move around enough that day usually causes me to go fall asleep, regardless. What can I do? I can't afford any anxiety meds and I have crappy insurance.