One of the apps that ship with Nextcloud is Notes. It is not much more than its name says. You can open a note, type some text, and do some basic formatting stuff in markdown syntax. If you want, you can give each note a tag, which results in a folder, where that note is placed in. Those notes are synced as normal *.txt files to your file system in a folder named Notes, including the tagging subfolders. It's dead simple, but useful, as I described in my blog entry about writing a shopping list with org mode.
Who of us does not know that. At the end of the money there is plenty of the month left, and is usually used by the Gasworks and the goldfish breeders' club to collect their annual fee (including the price increase) from your account.
I also had a time when I had to do a lot of financial juggling to live from month to month, even though I had as much money as today. I just did not have under control as well as I now have. The heart of the problem was actually that I almost never knew how much of the money in my account was really free to spend, and what bills would come up in the near future.
One of the problems of all text editors is that they actually have to reconcile two different functions, capturing text, and editing of text. That we are seldom aware of how different these two tasks are is also part of the problem. Our mind tends to switch seamlessly between these two tasks.
We write a sentence, and even as we type it, we notice that after the last word it would have been better to have a comma, and that the whole paragraph might have been part of the introduction anyway, maybe as a quotation.
Twice a week I compile a shopping list, mostly for our local supermarket, but also for some smaller stores. Getting the finished list the easiest way to my phone was a thing that I wanted to automate for a long time.
When I have been to the 35c3 in Leipzig I saw a pretty firefox addon that became very handy when we wanted to share the URL to a freshly created pad. It was FxQRL a Firefox add-on that turns your URLs into QR code images without the need of a network connection. Everyone of us could then scan this code with our mobile phones, and we were done.