On windows for a screenshot tool a good one is ShareX. and for a clipboard manager Ditto

IMHO I am not an expert but Mullvad seems the best (from what I read from others) and I would stick with it. I am using it and happy with it. I also appreciate that their monthly price do not change depending on how many months you subscribe and that there is no bullremoved discount for the first x months.
You could also look at Proton VPN if you need port forwarding.

About SurfShark don’t have much opinion !

Using MyExpenses which is perfect to let you track your bank accounts.

It’s the only app I found which let you reconcile operations with bank statement.