It’s ultimately easy to tell apart because the things in our control have vastly different qualities from those which are not. Quoth Epictetus:

Some things are in our control and others not. Things in our control are opinion, pursuit, desire, aversion, and, in a word, whatever are our own actions. Things not in our control are body, property, reputation, command, and, in one word, whatever are not our own actions.

The things in our control are by nature free, unrestrained, unhindered; but those not in our control are weak, slavish, restrained, belonging to others. Remember, then, that if you suppose that things which are slavish by nature are also free, and that what belongs to others is your own, then you will be hindered. You will lament, you will be disturbed, and you will find fault both with gods and men. But if you suppose that only to be your own which is your own, and what belongs to others such as it really is, then no one will ever compel you or restrain you. Further, you will find fault with no one or accuse no one. You will do nothing against your will. No one will hurt you, you will have no enemies, and you not be harmed.

Aiming therefore at such great things, remember that you must not allow yourself to be carried, even with a slight tendency, towards the attainment of lesser things. Instead, you must entirely quit some things and for the present postpone the rest. But if you would both have these great things, along with power and riches, then you will not gain even the latter, because you aim at the former too: but you will absolutely fail of the former, by which alone happiness and freedom are achieved.

Work, therefore to be able to say to every harsh appearance, “You are but an appearance, and not absolutely the thing you appear to be.” And then examine it by those rules which you have, and first, and chiefly, by this: whether it concerns the things which are in our own control, or those which are not; and, if it concerns anything not in our control, be prepared to say that it is nothing to you.

Now the list of things under our control might seem small – but it’s actually real control. You can’t control that an arrow you shoot will hit the target, a gust of wind may take it away and you’re not controlling the wind. Have the opinion (under your control) that you shall hit, and that gust of wind comes, and when you miss you’ll be wretched, so don’t have that opinion. But still do take that shot unless it’s impossible, in which case find a possible one.

I try to tell myself that I can’t do anything about it to calm down, then I find a solution and I can do something about it

Well, going back and forth is another problem. You should come up with one next step to get closer to solving the problem.

For example, I’m living paycheck to paycheck and don’t have enough to save for “big expense.” The next step is to cut something or find a side job to break the paycheck to paycheck cycle. Once you have a small savings, you can take more risks, like look for a better job, buy stuff in bulk to save money longer term, etc.

You don’t need to solve the entire problem, just figure out what the next baby step toward a solution is.