Signature campaign earnings that I received are being hodl in the account. I don't use it cause I prefer it to be the money for my emergency needs. I will only convert it to USD if I really need it, and if I need something which is essential to my life as a student, I use my other jobs earnings.
It's good to hear that you save your rewards you got from the signature campaign that you participated. Saving your money is best you do because yes incase the emergency you can have money to use and if you want to fix value you should convert it to the USD because we know the market the price changing fast.
I hope everyone will be wise for the using of the bitcoin we get on the signature campaign and save some of it not gambling it because like today the bitcoin we spend in playing instead of saving it the value we spend become higher now so be wise spending on it to the gambling games.