It is not advisable to keep your funds which you will need in short-term in bitcoin because you might run at loss when you will need the money if bitcoin price is in the dip, and you will have no option than to tap from your bitcoin investment to balance up the lost since it is a necessity.
Money that we will be using within a short period of time shouldn’t be left in bitcoin. Lots of people do make this kind of mistake, they always leave everything they have in bitcoin, so they do end up converting to their local currency when they are in need of money, but if you are not lucky, you might be selling at a loss. So the best thing is that only the amount that you won’t be using within a short period of time should be left in bitcoin, others should be in stable coins. Even when there is a dump in the market, it’s not really going to have any effect on your coin, or it should be converted to local currencies.
Using bitcoin for payment is good but I will not do that because bitcoin is more precious when you see it as an investment worth keeping than spending because bitcoin is going to get more matured in future with high value.
If you keep on holding bitcoin without selling, then you are not making use of bitcoin for the primary purpose. Bitcoin was created to serve as an alternative payment method, but people now prefer to invest and hold bitcoin rather than spend it.
The only reason why I am not spending bitcoin yet is that I haven’t seen any store accepting bitcoin as a payment method. I would have really loved to try it out.