There is what we refer to in any business. It is “The Cost Of Doing Business.” When we talk about software most of it anyway we talk money. I know being a photographer I have to have software tools just as much as I need to have camera gear. Just think years ago when we were still using film cameras. I had to have a darkroom in our house or I could not develop my prints.
Even if you are a writer you will be using so kind of software. I have been using a program call Scrivener to work on my novels. Of course you could use free tools such as Libre Office, which I have used for years writing my books.
If you own a business, which I work for a number of clients that use Quick Books for their finance book keeping. This software if not cheap but it is much needed to manage all areas of business including billing. For my consultant work I like to use ZOHO to manage and create invoices. I use the FREE version because I only have a few clients.
Normally for any paid software product I can introduce you to a FREE open source software package. But if you are working in business you might want to have a software you pay for because there will be support for the product. Either way when you are considering a new software package, do a Google search for something FREE like what you are looking for. You might be surprised in what you find.