I never allowed my kids in my bed either, so I get that. I was a stay at home mom and I NEEDED My space at night. If my kids were ill or had a nightmare I would go to their bed, and lay with them or on their floor until they fell back to sleep. I know it is an inconvenience, and you are tired but if she is experiencing some type of fear right now a rewards chart isn't going to help her. Sometimes they just can't put their finger on, or put things into words with what's bothering them. I would try an earlier bedtime, she could be overtired and unable to rest. Have her take a bath, and maybe have her read in her bed, that usually relaxes me. Also, I know that school can be an issue, I swear 7 is the new 12. I feel that children have so much on their plate right these days. School work is soooo hard, and dealing with social issues. My daughter just started teaching 2nd grade and she said the work is sooooo hard. She is teaching 3rd grade math to these kids. Crazy in my opinion. Maybe leave her a notebook by her bed and tell her to draw or write in it what is on her mind. I have one because if I wake up with things on my mind I am unable to fall back to sleep. For me it is more of a to do list. When I am laying there wide awake thinking about all of the things I have to do. It helps me to write it down and then I know I won't forget, and I can go back to sleep. I have a teacher at my preschool who's daughter is 7 so far she has gotten 3 phone calls from the nurse complaining of stomach aches, she has never had an issue with school before, and is a wonderful student. The long and short of it was she is being bullied by another girl, and also was scared she wouldn't get 100% on her spelling test. It took this woman days to get out of her daughter what was wrong. I know your tired but her fears are real and she needs time to work through them and also needs your help. Good luck!!! This will pass.