Bike fit is super important, and worth it to figure out. A bad one will cause pain. A good one means you never think about how once upon a time the fit was bad.
I volunteer with a local volunteer recycling bike group, and we sometimes receive larger frames that no one wants to buy. You may try searching locally for a shop that recycles bikes... You just may get lucky with a larger frame.
Alternatively, DH has a frame that is too small he made work by adding a super long stem he ordered offline. You could look also at seat angle...
Honestly, if you love biking/ bike often, just spend the money and get a frame that works. A new bike cared for well can last a very long time if it's well made. I understand the waste of money concern, so we usually change parts on a bike until we get it to fit better.