The best thing that you can do, is to go to an audiologist and get a hearing test done. Explain all your symptoms to the doctor, I hope the best for you!
The difficulties you describe all point to hearing loss. You should visit an audiologist for a hearing test. If hearing aids are recommended, they can improve your quality of life tremendously. Do this right away, to help yourself, and all those around you. As far as your symptom of "clock ticking", that is tinnitus, a common symptom of hearing loss. Tinnitus is the perception of sound in the ears or head where no external source is present. You perceive the clock during bedtime because it's quiet. Try sleeping with a noise machine, fan, humidifier, or air purifier; to mask (block out) the tinnitus.