Withdrawal can become a habit. Once you develop the habit of withdrawing either fiat or converting your crypto holding to local currency for use, It almost becomes so difficult to break.
Needs and wants/problems to solve with money never stop arising, how do you handle your withdrawal? Be sincere, considering that local currency is becoming less of value as the cost of things are constantly rising now, so much that the cost price today is not the cost price tomorrow. Is a budget still effective in your opinion?
I'm guilty on this one, I sometimes go overpending quite a bit than my budget or salary. I keep on reminding my self to refrain from too much spending even in fiat or crypto savings.
Lately this past few years, I did come to a point to stop my habit and came up a plan on how to break this spending habit. Just spend only when necessary and invest more to gain and profit for future needs. Budgeting is still necessary and effective to track your spendings, but still sometimes I still go overboard.