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?
IMHO, fear of losing your cryptocurrency value is one of the main reason for converting them into fiat, once you converted you have the habit of spending since its going to sit on your bank accounts.
Budgeting is always effective and that is the first step towards saving money then only you can achieve financial freedom.
I want to give a tip, just convert into stable coin or even fiat but keep the funds sit in your exchange itself and only withdraw when you need it.