Business and Personal Finance Separator

How It Works

Commingled finances create tax headaches, messy books, and financing red flags. This

byte audits your current account and card setup, identifies the biggest mixing patterns,

and produces a separation plan with a reimbursement policy and weekly maintenance routine.

What You Get

• A 10-step separation checklist (accounts, cards, payment flows)
• A reimbursement policy (what's allowed, documentation, approval)
• An owner pay cadence recommendation (draw vs payroll)
• "Documentation rules" for tax time

Setup Steps

1. List your current bank accounts, cards, and how you pay yourself
2. Identify your most common mixed transactions (subscriptions, fuel, meals)
3. Run the byte and work through the separation checklist
4. Set a weekly routine to keep things clean going forward

Tips

• The biggest commingling culprits are usually subscriptions and fuel — start there
• A separate business credit card is step one for most people
• Owner draw vs payroll has tax implications — consult your CPA on which to use
• The weekly routine takes 10 minutes and prevents month-end chaos