I added up what my personal cloud bill was actually paying for last month, and the answer was faintly silly. A little image gallery, a feed reader, a status page that checks on my other things, and a bookmarks service. None of it had any business living on managed infrastructure with a monthly invoice attached. It was there because spinning it up in the cloud was the path of least resistance at the time, and inertia did the rest.
So over a wet Sunday I moved the lot back home onto the mini PC in the cupboard that already runs my backups. Docker Compose, a reverse proxy, a wildcard cert, and a tunnel out so I do not have to open ports on my home connection. None of it was hard. It was just the sort of thing you keep not doing because the cloud version is already working and "if it ain't broke" is a powerful sedative.
The honest accounting is that I have not saved much money in absolute terms. A few pounds a month. What I have actually bought is the freedom to stop thinking about it. No usage tiers, no surprise egress charges, no email warning me that a free trial is ending on something I forgot I was using. The hardware was already on and already paid for, so the marginal cost of these services is now basically the electricity to keep a fan spinning.
The one thing I gave up is somebody else's uptime. If my home connection drops, my feed reader goes with it, and that is a trade I am completely happy to make for things only I use. Production this is not. It is a cupboard, and that is the whole appeal.