How can you use your problem-solving skills to find a long-term solution when a financial crisis arises?

a.) Sell one's assets and use the money to cover monthly expenses.

b.)Negotiate with one's creditors to push the current payment to the next month.

c.) Put off one's insurance payments for a couple of months until financial stability is achieved.

d.)Strive to save a small portion of one's gross income every month.