I can see that having money in crypto would make it less convenient to spend money. This could be a good place to keep some of your saving. I don't think it is really an answer to the question though. It can only be part of the answer. A budget is a financial plan. It needs to account for what income you will have and was expenses. You use to to make sure you have enough money for all the things you need/want. I would be careful with your suggestion, as crypto markets don't seem very stable. It would be sad to lose all your savings in crypto currencies.