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?
Withdrawing and exchanging your coins into your local currency requires self-restraint. You have to know your limits so you won't be able to touch the coins intended to be held for the long term. Otherwise, you'll end up regretting it later.
Personally, budgeting is still effective. I guess it's just a matter of discipline on how you will spend and save your money. As for me, I prioritize the things that I need over the things that I want. Although of course, there are still times that I give in to buying some luxurious things, but only as long as I can afford it. I don't go beyond the boundaries that I have set in spending for my wants. However, there are tendencies sometimes to go a little over the budget when it comes to buying the necessities because of higher inflation rate. As long as the things that I'm buying are needed in order to survive, I don't worry spending a few more bucks.