Problem
How do I untangle mixed personal and business spending?
Review the complete account activity, identify business transactions with evidence, record private items consistently and create a separate process for future spending.
Ask Larissa about thisWhat useful support looks like
A clear result, not an open-ended promise.
- ✓A mixed-transaction review
- ✓Evidence matching
- ✓A private-item or director-transaction list
- ✓A cleaner future process
Before you ask for a quote
Use this practical checklist.
- 01
Export all affected account activity
- 02
Mark clearly private items
- 03
Gather evidence for business costs
- 04
Confirm company or sole-trader treatment
- 05
Separate future payment methods
Example
What this can look like in practice.
A director uses a personal card for software and the company card for two private purchases. Each item is identified, evidenced and referred for the correct company treatment.
This is an illustrative example, not a promise of a particular result or turnaround time.
Compare the process
From uncertainty to a defined bookkeeping routine.
| Area | Before support | With an agreed EBA scope |
|---|---|---|
| Records | Business records include private purchases or business costs were paid personally | A mixed-transaction review |
| Questions | Unclear items stay unresolved until a deadline is close | Questions are grouped, prioritised and resolved to an agreed timetable |
| Next step | No clear owner, cut-off date or completion point | A written scope sets responsibilities, timing and the next action |
Frequently asked questions
Clear answers before you commit.
What can i mixed personal and business expenses include?
A typical scope can include A mixed-transaction review, Evidence matching, A private-item or director-transaction list. The final proposal confirms exactly what is included before work starts.
Does mixing expenses mean they cannot be recorded?
Not automatically. The evidence, business purpose and legal structure matter. Uncertain tax or director-account treatment should be confirmed appropriately.
How much will the work cost?
The fee is confirmed after the record condition, transaction volume, software, accounts and deadlines are reviewed. You receive a written fixed scope rather than an unsupported headline price.
Can Larissa work with my accountant?
Yes. With your permission, Larissa can organise records for your accountant and agree a clear handover. Tax advice, filing and bookkeeping responsibilities are separated in writing.
Official information
Check the current HMRC guidance.
Tax rules and deadlines can change. These official sources were checked when this page was reviewed on 30 July 2026.