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 have the same habit and I can't resist the urge to always have lots of cash/fiat money in me.
I simply don't care about this.I don't see it as a problem.The inflation doesn't matter,you will always have to rely on local currency in order to buy necessary stuff,food and to pay the bills.
Not withdrawing my money and keeping all my funds in the form of cryptocurrencies is not an option for me.
Budgeting is effective only if you set your spending limits and never break them.