I don't have all that much money to play with at this point, so really I'm looking for something cheap
Interestingly, I write software for Sage Line 50 as part of my day job, and can get bleeding edge developer editions, unlimited license keys etc. It is a bit overboard for what I want to do though - and FreeAgentCentral suggested above seems to do all of the accounting stuff, plus some smart project/time management features which IMO make it worth £15/month - although in the fullness of time this will no doubt be the more expensive option.
Great suggestion though, I hadn't actually thought of that! (Couldn't see the wood for the trees I suppose :)