I switched the setting from “envelope budgeting” to “tracking budgeting” to address this. Budgeting based off what I anticipate making the following month. The Actual peeps will tell you that in envelope budgeting you should have enough money for the next month ahead of time so it’s working as designed. I get that, kinda, but tracking budgeting has just made more sense for me.

Self hosting our budget with Actual has been a game changer for my partner and I. No other budget app really worked for us but this was super easy and the PWAs really make a difference.

I hadn’t actually considered that before. What’s your preferred way to do that?

Why write off iCloud? Just turn on the advanced data protection feature for end to end encryption.

If you want to self host, while I’m not familiar with Goodnotes I bet you could write a simple Apple shortcut to take those files to a storage provider like nextcloud then just automate that shortcut to run daily, weekly, whatever.