"Just use ChatGPT." — I heard this for months. And I did. Until I got the bill.

$187 in one month. For a solo dev running side projects. That was my wake-up call.

This is the story of how I went from cloud-only to a hybrid setup, what it actually cost, and where local models fall flat on their face.

The Setup (July 2025)

I was using three APIs daily: