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Everything I actually pay for.

Not a list of everything that exists — a list of what's currently running my business, what it costs, and why it beat the alternative. Categories rather than brand names where the brand genuinely doesn't matter.


Disclosure

No affiliate links on this page. Where I've listed a category rather than a product, it's because I've used two or three interchangeably and the choice genuinely doesn't matter. If I ever add an affiliate link, it will be labelled inline, and it won't change what's on the list.

Work & admin
WhatTypeCostWhy this one
InvoicingA plain invoicing tool with multi-currencyPaid, ~$12/moSix years on the same one. Boring is the feature.
ContractsE-signature servicePaid, ~$15/moFour clauses prevent most disputes — the tool matters less than having one.
BankingMulti-currency account + cardFree tierThe single biggest reduction in cross-border friction.
Password managerAny reputable onePaid, ~$4/moNon-negotiable. Recovery codes also printed on paper in the bag.
Site & publishing
WhatTypeCostWhy this one
HostingStatic CDN host with git deploys~$4/moInterchangeable by design — that's the point.
Site build~200 lines of PythonFreeNot a framework. I can read all of it in one sitting.
FormsHosted form endpointFree tierChosen because the data export is one click.
AnalyticsPrivacy-friendly, no cookies~$9/moScroll-depth events only. No personal data collected.
Travel
WhatTypeCostWhy this one
eSIMTravel eSIM providerPay per useFirst 48 hours on landing, always. See the cost breakdown.
Travel routerPocket-sizedOne-off, ~$60The item people say is unnecessary and I'd replace first.
Power65W GaN charger, 3 portsOne-off, ~$45Removed about 400g and a drawer of adapters.
Storage1TB encrypted SSD + recovery keyOne-off, ~$90Weekly backup, weekly restore test.
AI & automation
WhatTypeCostWhy this one
AssistantGeneral-purpose modelPaid, ~$20/moFour workflows survived out of seventeen. Verification is the whole game.
AutomationScripts and a schedulerFreeFails loudly, cheap to verify, stable input — or I don't build it.
BackupsScripted, nightly, encrypted~$5/mo storageThe most valuable automation I own, and the dullest.
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