Having a server has saved me a tremendous amount of money. Here are a few things I self host that would normally cost money

-Terabytes of storage

-Password manager

-Streaming service (jellyfin)

-Home automation (if I remember correctly some home automation services have a fee)

-Music streaming

-Backups

-Email

-Website saver (wallabag)

Not to mention how much I've learned while managing the thing. I truly think everyone who can should have a server these days. We have zero subscriptions for any internet service and I wouldn't have it any other way