Anxiety Support Group
Anxiety is a physical condition marked by intense and persistent feelings of distress, fear, angst or dread. General anxiety caused by routine day-to-day stresses usually passes quickly and is experienced by almost everyone at one time or another. However, such feelings that linger over time and are very difficult to cope with, and which lack a clear cause, may indicate...

Tell mum you are having this. Most people have experienced it and a lot of the more practical types will just take a sleep aid and knock it on the head. Otherwise you just have a sleepless night and you're a mess the next day.
Talk to mum. Or if she is not interested, talk to your doctor next time you are there. Just explain the overthinking till 4am phenomenon. Gosh, we all know it. Happens to most people I think, sometime or other. :)
Having a good fantasy novel or something can send you to another space at bedtime and means you can lie down, dozy, and just dream about the happenings in the book (ie, distraction. :D)