I used to use the Sawfish window manager ... before it fell out of maintenance, oh and before I switched to DEs with the window manager bolted on.
The thing I miss the most from Sawfish is that it let me resize any window. There are a lot of fixed-sized modal dialogs with scrollbars that wouldn't need them if they were taller, and there's a lot of room on my portrait monitor!
Compare https://whathemortgage.com/ ← similar, for Dutch mortgages. It supports both annuity and linear interest structures. Also open source which might help you!
I am in your target audience! I can live from payday to payday on any salary. My only savings are mandatory pensions and my only asset is home equity.
It's not recklessness or stress avoidance. I would not have to work anymore if I had ever taken it seriously. Many people have sat me down and explained budgets and expense tracking to me. Now I download my transactions and categorize them every month, and I look at spending trends... but this information does not influence my behavior.
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