I download and try a lot of programs, most of which are quickly discarded, but one I came across the other day is a simple invoicing program that keeps records of invoices and payments, can output statements and keep records of clients simply by extracting their details from the invoice you type. There's nothing that is not in Quickbooks or MYOB (and a lot that they have that is not here) but for most people who run a small business from home, those are probably overkill, and this has the advantage of being free, though you do have to register it. It seems to come from New Zealand which is probably why it picks up the country settings for dates, currency symbols and even the tax format (GST for Australia with 10% as a default). You can also set up items which can be goods or services and even multiple levels of pricing. The program is called XS Invoicing and it is effectively a free sample of what can be achieved with a general business program (available for several hundred dollars) that could provide a full set of customised business management and record keeping tools. Find it at http://www.development-x.com/ Now for the one criticism: if you are running your display at 96dpi you'll see nothing wrong but if, as I do, you run it at 120dpi to give better general Windows menu text sizes on a widescreen, you'll see some of the displays in XS Invoicing with text which overflows their surrounding frames. I sent an email to Development-X Ltd and next day had the answer -- change the dpi setting: Their reply: "Go into Start>Settings>Control Panel and select 'Display'. On the displayed panel click on the 'Settings' tab and then the 'Advanced' button. The DPI Settings should be 96. I suspect yours will be 120." The only problem with doing that is that my menu settings in most Windows programs became tiny as did the listings of folders and accounts in Thunderbird. Overall I've decided that I do not need XS Invoicing to the extent that it is worth a day spent readjusting Windows advanced display settings, but if you do not have Quickbooks or MYOB this could be all you need.