I don’t think one takes into account investment accounts with envelope budgeting, if I’m not wrong. All the accounts in this kind of budgeting should be involved in the budget, to be money that is to be assigned. “Give every dollar a job” kind of style. Money in investment accounts is for the most part saving for savings sake. But I guess people can assign that kind of money as well, e.g. “this is money that I’m investing to be able to buy a house in 5 years”. I’m not an expert on this so you could look up how YNAB does it, or if Actual has any docs on this.

Yes. You can read about on Actual Budgets documentation. It’s free for personal use. You just generate an API token. https://actualbudget.org/docs/advanced/bank-sync/gocardless/

If you’re in the EU you can do bank syncing for free with GoCardless integration. If you’re in the US you need to go with SimpleFIN which costs a small sum and is in a more experimental phase than the GoCardless integration I think. Either way, GoCardless has been working great for me. Actually far better than YNAB which didn’t even support my bank. It’s literally just set up and forget.

If one doesn’t want to self-host it one can always go through a service like PikaPods who do in fact have a revenue sharing deal with Actual Budget. And either way, Actual Budget isn’t really an accounting tool for businesses, or did I misunderstand you?

Yes, fair. I was just attracted by the no-hassle method of Tailscale.

Probably why this isn’t enabled in the EU. GDPR wouldn’t have allowed it.

Loop is great! I love F-Droid. Many times it’s guaranteed you’ll find a better alternative to a proprietary, ad-filled app on Play Store, on the F-Droid app

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The answers in this thread are all over, but it’s towards this direction I’m leaning

I think it’s been proven that Google doesn’t listen in to your conversations. While there are a lot of real privacy issues, the microphone theory is just conspiracy fear-mongering

I saw a comment expressing this ruling is only applicable to e-books where there already exists an e-book from the publisher, and that it won’t affect media preservation or books that have been scanned (e.g., old textbooks) and that do not have an e-book. Is this true? If so, it’s not all bad.

And wasn’t that what we were promised by capitalism? That we could own our land, our homes and our lives. But even that, they’re turning back on, except for the privileged few. Back to feudalism it is.

Chick-fil-a starting a streaming service sounds like the worst idea ever.

For sure. And Libreoffice doesn’t constantly try to make you save your documents in OneDrive…

This is an interesting point as well. Before, if you weren’t happy with an update or whatnot, you could just keep running the older version. But nowadays that’s impossible in many cases.

I see your point. But as someone else mentioned, there are many programs, apps and what not that shouldn’t require a subscription just by looking at how the software or hardware is set up.

Absolutely. I constantly revisit the services I subscribe to, but to be honest, I still keep some streaming services on a constant subscription even though my viewing patterns differ from month to month. In that case I’m just too lazy, and it’s not a huge hit to my disposable income. I pay for it to be available when I want to use them. I think this might be the case for many others, and coupled with not having a budget and/or financial sense, this can definitely add up for many. I also think many people just forget what services they are subscribed too, and barely even watch their bank account/credit card slip and what’s being withdrawn.

Well, many do…

I’d say this might be true for programs, but as long as you download movies, shows and music I’d assume it’s fine as long as you use common sense.

But not run by the original owners. And the current team is really shady. I wouldn’t trust downloading an .exe from there.