Before switching to Actual budget, I used YNAB. Just an app to install that works on my phone and on my PC.
It's all synced to the cloud so the same data appears on both devices.
But, I'm tied to YNAB's choices. They decided to increase prices, so I had to find something else.
Instead, Actual is completely controlled by me. None of my data with anyone else, no price, no subscription, no concern that changes will be forced on me that I don't like. It's all in my control.
That's why I would rather self-host a budgeting software than just install one.
You don't sound stupid at all!
Before switching to Actual budget, I used YNAB. Just an app to install that works on my phone and on my PC.
It's all synced to the cloud so the same data appears on both devices.
But, I'm tied to YNAB's choices. They decided to increase prices, so I had to find something else.
Instead, Actual is completely controlled by me. None of my data with anyone else, no price, no subscription, no concern that changes will be forced on me that I don't like. It's all in my control.
That's why I would rather self-host a budgeting software than just install one.