In most of the cases I have to convert bitcoin into fiat, and then use it for daily expenses. But at the time I'm not spending it in large amount, I am holding it in bitcoin, it seems to be a good thing to do at the moment.
I do the same. When I have some costs I just cash out my bitcoins to pay for my daily bills and before that I am just saving my bitcoins on my wallet. Unfortunately I do not have too much money to buy bitcoins nowadays. But when i will be able I wish to do it, cause i heard bitcoin will grow to 1000 $ soon, so it is gonna be good investment for me.