🔑 Key Steps to Keep Business Money Separate:

1. Open a separate business bank account – don’t use your personal account.

2. Pay yourself a fixed salary – transfer only that to your personal account.

3. Create a business budget – plan for expenses like stock, rent, and marketing.

4. Track all transactions – use a record book or apps like Wave or QuickBooks.

5. Use a separate mobile money line – e.g., M-Pesa Till for business only.

6. Set money rules for staff/family – no borrowing or mixing funds.

7. Build a personal emergency fund – avoid borrowing from your business.

8. Review finances monthly – check profit/loss and fix any cash leaks.

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Think of your business as a separate person. Respect its money the same way you'd respect your salary.