When you work for yourself, it is natural to run everything through one checking account and one card. That works until you need to know what the business earned and spent. Then every transaction has to be sorted by hand, and some of them are hard to remember.
A checking account used only for the business is the simplest step. Money the business earns goes in, and business expenses come out. When you pay yourself, move money from the business account to your personal one and record it as a transfer.
A credit or debit card used only for business purchases keeps those expenses on one statement, rather than mixed in with groceries and family bills.
A receipt shows what was bought. A short note on it, or in the app where you keep it, says why. A note written the same day is easier than trying to remember months later.
Some costs are shared, such as a phone, a car, or a room at home used for work. Do not try to settle those on your own. Keep the records and ask us how to treat them.
Separate accounts mean your business records are already sorted when your return is prepared. They also make later questions easier to answer, because the business transactions are all in one place.
Separating them now still helps, from today forward. For the months that are already mixed, we can help sort them out as part of our bookkeeping service.