How do you ensure you don’t spend business money on personal things (and vice versa)?
Separate accounts, clear records, and consistent pay routines keep business and personal spending clean.
Keeping business and personal money separate starts with dedicated accounts and cards. Run all market sales and expenses through the business account so records stay clear.
Handle exceptions immediately
If you pay a business cost with personal funds, record it right away as a reimbursement or owner contribution. If business cash is used personally, log it as an owner draw. Don’t let these pile up.
Pay yourself on a schedule
Transfer a set amount from the business account to your personal account regularly instead of pulling random cash. This keeps personal spending out of the business ledger.
Track receipts and splits
Save and label receipts. For mixed expenses (like fuel or phone use), record only the business portion. Even a simple spreadsheet works if updated consistently.
Clear separation reduces stress, improves bookkeeping accuracy, and shows how the business is truly performing.
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