what the most efficient way you have found for

1. avoiding the whole exchanging from crypto to fiat to take care of financial responsibilities out side the Crypto-space
I haven't found any way of avoiding the exchanging from crypto to fiat because it is not possible for me to spend cryptos in my country as there aren't any places accepting cryptocurrencies nor there are much people knowing about them. So i have no choice but to exchange them in order to spend them.

2. what is the most efficient and cost effective way you have found for the exchanging of crypto to fiat?
Localbitcoins.com is the most efficient and cost effective method for me to exchange my Bitcoins to fiat so far. I send my Bitcoins to the site, which of course costs me the transaction fees plus a small fee for the site as well, and then i sell them to someone from my country and get the money in a bank account. Some banks charge something around $1 for transactions and some none, so summing them all up, i may need to pay around $2 to $4 for exchanging them to fiat, and for me, that seems to be the most reasonable amount of fees i could pay for exchanging my crypto to fiat.