I dont have or use either. I developed my invoices in MS Word. Fill them out for the year and only need to make changes if something is dropped or added. I worked on an easy payment tracker and it works for me so when it comes to taxes and P & L statments I look at my Qt sheets my account does. Its just me and maybe 2 guys for most of the season. I do have my monthly employees filings I pay but my accountant does that for me as well. I get poked at for this but I deposit all money made into my bank.
I guess what Im looking at is that my accountant charges me $40 a month for the business, $25 a month for payroll. At the end of the year she charges me $120 for Year end tax filings. She separates all my receipts in their respective catagories. So $900 for the year and I dont have the headach of trying to do something that I dont know about and fear of filing wrong and getting visited by the KGB again.
I'm really looking for a better invoicing program that I can print and email to customers. Just wanted to know how other people did their's and what benefit it was to you?