Stop mixing personal and business money
One wallet for everything feels efficient until you cannot tell whether the business paid you or you paid the business.
Mixing accounts is common when the business started as a side hustle. It becomes a problem the day you need to answer a simple question: Did the shop make money, or did you subsidise it again?
Separation is less about purity and more about truth. Truth is what lets you price properly, pay yourself on purpose, and stop arguing with your own memory.
A workable middle step
If a second bank account is not ready yet, create a clear rule in your books: every personal spend for the business is recorded as owner contribution or owner draw, not as "miscellaneous." Every time the business pays your rent, call it what it is.
Then move toward separate wallets or accounts as soon as the volume justifies the friction. Friction up front beats forensic reconstruction later.
Pay yourself like a decision
Random withdrawals feel like freedom and behave like leaks. Decide a weekly or monthly draw you can survive, log it, and adjust when the numbers say so — not when a craving for a new phone says so.
Owners who pay themselves deliberately usually price with more courage. That is not coincidence.
Try Floww
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