I listed above that I don't want to use that because I dont have the money,

I would recommend AWBS. It isn't free, sorry. But it is packed full of very useful features and would save you so much time.

I think people these days expect automation, I think if you purchase a license and work very hard it will cover it's costs quite quickly.

AWBS also allow you to lease a license which is much cheaper than buying a copy. Then when you have enough clients you could move to an owned license?

My system uses a regular form (HTML) and i have to send to my cell phone and to my email we setup account usually within 30 minutes of submitting the form also i use jbilling for recurring payments. I'm very small and have very few customers but we strive to do better and hope in the future to have WHCMS so it will all be automated.

WHMCS is by far the best IMO for ease of use, customization, and features. Matt and the team work hard.