I get paid in US dollars (USD), but I live in Hungary, where fiorint (HUF) is used.
Right now my bank account has two accounts, one in USD, one in HUF.
I receive the money on the USD account and I convert them to HUF when I need to spend them.
I do so because I don't trust the fluctuations of the HUF and I rather keep my savings in USD.
This has the problem of the costs needed to convert the money each time, and the time it takes to convert them (it takes the same time of an internal transfer wire).
Are there alternative solutions to reduce time and cost?