Separate your business and personal money properly

Help me separate my business and personal money.

How I trade: [sole trader or limited company]
How money comes in: [cash, card, transfers, marketplaces]
How I pay business costs now: [personal card, one account for everything]
How I pay myself: [e.g. take money when I need it]

First ask me up to 4 short questions. Wait for my answers.

Then:
1. A simple set-up: which accounts or pots, and what each is for (including tax and a buffer).
2. Rules for what goes where, as a short list.
3. A weekly 10-minute routine.
4. How to handle the mixed-up months already gone.
5. What to check on GOV.UK about record keeping for my type of business, with the link, and what to ask my accountant.

Not financial or tax advice. Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English.

For GOV.UK guidance on business records for my type of business, use web search and name the page you used. If it doesn't search on its own, open View all tools and choose Search.

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