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?
The thing is that people who hold Bitcoin must accept the fact that they must have to convert their crypto to fiat every now and then to take care of their basic needs, if such person prolly has a job in real life that pays in Fiat, and alongside that, also renders one service or the other that pays him in Btc, then they could live on the salary they earn through fiat, and keep accumulating Bitcoin without having to sell too much of it on a regular basis.
Having said that, for people who earn only in Bitcoin, then there is actually no way to avoid selling your stash no matter how hard you try, cause Bitcoin is not yet mainstream, so you'll have to convert somewhat frequently to pay bills and buy basic things. But then, what's most important in both situations is to be shrewd in your spending, and maybe if you're not earning so much, it's much better to cut down on it outrightly, what's brings so many people down financially is spending far more than they earn, you'll run cashless and into debt sooner rather than later.