whoever said money can't buy happiness must not have realized you can buy a little arm that holds your ereader above your face in bed, and a remote so you can turn the pages without taking your arms out from under the covers
just search "remote page turner" and "gooseneck tablet holder" (and check the dimensions fit your e-reader/phone/tablet).
@molly0xfff For some reason I assumed that the gooseneck holder would actually attach to your neck somehow, and having looked them up, I am a little disappointed.
@pbloem i think they do also make versions that go around your neck. never tried one, though