What @whereisk@lemmy.world said below, but instead I’d recommend You Need A Budget (YNAB). YNAB is amazing, and despite not liking paying for subscription services, I keep using it and not getting firefly (and I do self host my own things). It’s like $100 a year and will save you far more than that if you use it correctly. Check them out: http://www.youneedabudget.com
Make sure to read their intro stuff on why they recommend doing things the way they do, as active budgeting isn’t for everyone.
Yeah I don’t understand how this is different than headscale, but I’m very much not savvy on the pipes and tubes that make the Internet go round. Can anyone explain?