Xero are making changes. I've talked about kashflow and freshbooks in more detail and I have touched on Xero before in another post.

They seem to have listened to recent complaints about pricing and have created a tiered structure to allow small business and freelancers to use the service for less. If you ask me they should have tried harder. 5 invoices and 5 expenses a month + 20 reconciled statement lines a month. It's not awful and it may suit a lot of freelancers but it isn't enough to make me feel safe. How about 10, 10 and 100. That would be better if you ask me, which no one did but that doesn't matter as this is my blog.

It has been a long path to reviewing an entry level, basic financial, budgeting, money monitoring tool for my business & personal finances. (Note: This post is looking at a UK business but all products are available for international countries, in fact most are US based products.)

Having no need for the high products like Intuit Quickbooks, Tas Books, MYOB or SAGE I wanted to find something affordable that allows me to do basic accounts management, budgeting and bank statement reconciliations. Enough that I can give my accountant a summary at the end of the year and monitor my budgets and income in the process.