I personally use a half-half, i invested too and save money too. i invested in bitcoin, although invest in bitcoin is risk, but hey i'm bitcoin fans 
and want to invest in commodities too.
a half i save for daily needs.
and want to invest in commodities too. a half i save for daily needs.
I Use btcinvestment,
Like you i wanted to have some real stocks in my btc`s not some crappy scam coins.
Where do bring your btc`s for commodities?
Still don't have any idea for bring my btc for commodities like gold, still looking for it.
but the simple thing is spend my btc to fiat than buy for gold, but you need to see a rate before, for get a more profit, i means when bitcoin price is reach high rate then exchange to fiat than buy a gold when gold price is low.