Business vs Personal Spending Separation Plan
Stop mixing accounts.
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Help me separate business and personal money. My current setup: [CURRENT_SETUP]. Business structure: [BUSINESS_STRUCTURE]. Recent mixed transactions: [MIXED_TRANSACTIONS]. Create a plan: open separate accounts and cards (list what to ask the bank); pay myself via a regular transfer; stop using the business card for personal items; and how to treat past mixed items (record them and move them to the correct side with a note, or reimburse with a documented transfer). Provide a table classifying my example transactions as business, personal, or unclear, with the questions for the unclear ones. Add a clean-up procedure for the last 12 months in six steps, a monthly reconciliation checklist, and a short explanation of why mixing causes problems in plain language. Remind me that treatment of owner transactions depends on my structure and [JURISDICTION]; list questions for my accountant [VERIFY]. Do not give tax conclusions. Provide a 30-day sequence, week by week, for completing the separation, and a decision rule for any past transaction that is 50 percent business and 50 percent personal, such as a phone bill, without giving tax conclusions.
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