@roderiga60 

If you are working solo on a desktop (PC or Mac) to manage your book and only need basic features, you should explore this one. You can use this free program for as long as you like, use all the features and enter as much data as required. There are no time limits, no usage limits, no ads (at this time). This program is quite popular in Asia and Europe.

https://www.manager.io/

Then to pay your bills for free by ACH, you can signup for a Melio account for free.

https://affiliates.meliopayments.com/pricing

Hope it helps.