Self-hosting doesn’t mean you have to buy hardware. After a few years, low-end machines are borderline unusable with Windows, but they are still plenty strong for a Linux server. It’s quite likely you or a friend has an old laptop laying around, which can be repurposed. I’ve done this with an i3 from 2011 [1] for two users, and in 2025 I have no signs that I need an upgrade.
Laptops are also quite power efficient at idle, so in the long run they make more sense than a desktop. If you are just starting, they are a great first server.
(And no, laptops don’t have an inbuilt UPS. I recommend everyone to remove the battery before using it plugged 24x7)
1: https://www.kassner.com.br/en/2023/05/16/reusing-old-hardwar...