Yes, I'm using a BTC for myself and for my family, because I want to give them some needs so I will give my time for it so I can get more BTC for my family needed.

Every decision that we make make has a consequence attach to it. Whether or not we convert our bitcoins to fiat for emergency purposes, in the end we tend to regret it since we waste its potential value from further increasing. But that decision was essential for the satisfaction of your emergency situation or monthly obligations. It really depends on the individual on how they utilize their bitcoin, especially when they tend to be in a tight financial situation. The obvious choice is simply to convert your btcs to fiat. But if you have no reason to convert it, then I suggest not to since you are wasting a lot of value in the future.

I do use a part of my bitcoins when for exemple I want to buy some clothes. It is however very marginal, I think I did not ever spent more than 1000$ using my bitcoins on this.