I may occupy a small niche of freelancers. I generally have long-term clients on retainer, or I charge by task/deliverable. I rarely have to track my time in de

I may occupy a small niche of freelancers. I generally have long-term clients on retainer, or I charge by task/deliverable. I rarely have to track my time in detail. When I do I track in 30 minute increments, so I don’t need per-minute time tracking. I have never had a client who needed payment reminders. I invoice net 15 days. Because I’m doing business with clients I trust I don’t worry about no-pay/slow pay. I generally don’t incur expenses for my clients. If they need to pay for something I have them pay directly, so the domain name or hosting account or whatever goes in their name on their credit card. I don’t resell or mark up those kinds of things. I suppose other freelancers have different needs but I have never needed anything more than a spreadsheet template that I can save as PDF from and send by email.