I think you're making a huge mistake. Simple software like QuickBooks is really easy to set up and operate and it's not that expensive.
When I see 'so called' business people looking for free stuff to run their business, I can't help but ask myself 'who would spend money with YOU if you don't have the 'guts' to put money into running your own business?'.
Sorry if I am going on a 'rant' here, but come on.
While you're looking for free software, maybe you should set up a free website too. You know, they've got all the banners and ads that will really make somebody's business rock... but not yours.
If you can afford the software, don't start the business. You can't afford it. Take the money and buy bus fair to go to your job.
Hope this helps!