It is hard not to worry, Kay, and we are living in financially difficult times, where for many people the ground is shifting under their feet. Nonetheless, anxiety (worries) have the adverse effect of locking out the positive stuff which is trying to get in. Ideas, maybe even something positive and inventive, there in your subconscious, cannot get past that "shield" which the all-encompassing worry has flung up.
You are tired, even exhausted, and therefore edgy. Tiredness does that, even in the best of circumstances. Sheer tiredness is also the cause of the forgetfulness. The mind in this situation is like an engine being revved up without a pause, it gets overheated, and can indeed seize up. Addressing the exhaustion is important, to give the mind a chance.
Take care
Seven