You've mentioned you have some personal problems and issues going om. Simply put, you have a lot going on in your head. may be excessive worry etc. At difficult times, our body is in a defensive or fight mode hence you may find it difficult to sleep. This is absolutely normal and common.
Next Steps
Seek help of a qualified specialist. A psychotherapist to help you handle your life issues better. Also, a neurologist to rule any physical problems.
Health Tips
Maintain a schedule. Exercise , even if its an half hour walk. Eat healthy. od not skip meals. Have fruits and fibre. Have a bath before you go to bed and do not use any gadgets atlases an hour before you sleep.