well, basically, and in my opinion it only depends on the questions that your applications will need to ask to your data: As long as it is "Give me a list of..." then simple text files are way enough. When your question will evolve to: "What invoices belong to this specific client?" or "Tell me ne name of clients that owe me money", then yes, learn about MySql...
Resuming, when 2 or more entities are part of the question (client/invoices, client/accounts in the examples), then you should use relational, meaning, a database.
Visit my page:
http://www.webrickco.com