At a risk of harming myself, you guys might be giving too much stuff away for free. I've been using Freshbooks for about a year for my small business, and got most of my business partners to send me invoices through Freshbooks.

We are all still using a free account, and never had a need to switch over. The free account just offers everything I need. I don't even know what would I get with premium account - I never felt a need to check it out.