I have ways of negating some of that price fluctuation for a start. I only value my Monero at the 365 day moving average instead of valuing it with the actual price fluctuations. This causes my budgeted items to remain stable and in the vast majority of cases actually makes me have more than what I think I have.
That feels very risky. Monero isn’t exactly the most stable and it isn’t at stable compared to physical currency
I have ways of negating some of that price fluctuation for a start. I only value my Monero at the 365 day moving average instead of valuing it with the actual price fluctuations. This causes my budgeted items to remain stable and in the vast majority of cases actually makes me have more than what I think I have.