You need to see first the costs you have to spend in each month, then see how much money you definitely get each month, maybe you have reached the stage of distributing money from your income, but you missed some things such as reserve funds and others that you need to prepare to anticipate if there is an urgent need. then if you see from your total calculation, your income does not meet your needs or costs that must be incurred every month then what you need to do is reduce your expenses and or look for additional income to meet it, this is the basic principle of budgeting your life, if it is related to a rotating economy I think real price fluctuations are not like crypto assets which have large fluctuations in a matter of months, so you don't need to worry about it.
Real price fluctuations are not about fluctuations in the value of currencies but it is about fluctuations in the prices of goods that we buy using that currency. Ever heard about inflation? That's what I'm talking about here.
Fiat currencies tend to lose purchasing power over time because of inflation and economies going down, and that is even more damaging than a cryptocurrency losing value because a cryptocurrency tends to have the potential to get back to its original price after some time, whereas it is more difficult for a fiat currency to regain its purchasing power very easily. The process is long and you might not even be alive to see it getting changed.
Inflation is one of the biggest reasons why it becomes difficult for a person to manage his livelihood with the limited income they have. If you have always had a fixed income which didn't change much, you must have been doing much better a few years back compared to the current times.