Coping mechanisms recognize stressors for what they are and aim to manipulate the environment (in socially acceptable ways) to remove the stressors or to change our responses to cushion their impact.

Problem-focused coping mechanisms recognize stressors for what they are and aim to manipulate the environment (in socially acceptable ways) to remove the stressors or to change our responses to cushion their impact.

People who are engaged in problem-focused coping are more of the optimists. They always make sure to find solutions to their problems and figure out several ways on how they can manipulate the sources of their stress.

You don’t list any options but the one that frets overspending and the consequences of that.