How to Separate Personal and Business Expenses

Mixing personal and business finances is one of the most common mistakes I see with small businesses. The mess it cost can be catastrophic at tax time, or even when your company goes to apply for a loan of sorts.

This may be you and you are not sure how to make things work out correctly or even how to take a step in the right direction. Here are a few tips to help you get started.

Create a Business Checking Account

This should be your first step when starting a new business, and you should get into the habit of depositing income here and paying bills from this account as well. If there is ever any question as to whether you are running a hobby or a business, the IRS will first look to see if you’ve opened a separate account, which will help them decide whether to grant you that all-important distinction, so you want to make things as simple and clear as possible for yourself from the beginning.

Open a Business Credit Card

If you are a new business owner, it can be difficult to get approved for a credit card, but apply anyways, it’s no use wondering “if”. And if you get denied, continue apply especially as your business grows. Little secret about doing this is that business credit cards are the only credit cards on which interest accrued is deductible as a business expense.

Pay Yourself a Salary

Writing a check from your business checking account to yourself for the same amount each month will help you maintain a sustainable business budget. It can be easy to let money slide around between personal and business accounts but paying yourself a set salary will help maintain the necessary boundaries.

Maintaining clear lines between your business and personal expenses doesn’t need to be challenging. Setting up a clear distinction between your personal and business finances, and consistently keeping them separate, is fundamental to your success. If you are a new business owner, start things right from the outset. If you have been in business a while, take a day or two to get things set up for the long haul. It will save you tons of headache and make it easier for you to become successful in your business.

Now that you have a starting point, let’s get going!

Share below other ways that you may find helpful in separating your personal from business expenses.

To Your Success,

Karena1501x200- About- 31 Mar



Flawless, messy,
FLAWLESS is another 4 letter word for me when it comes to describing myself. I often joke that I have so much dirt on me, it makes Mount Everest look flat. 🙂 
Are you similar to me in the sense that you are your worst critic? That’s me! Somehow it comes real easy to edify others for me after all they are most likely having a worst day than me. I’ve been blessed much and given even much more and for some reason I feel like I should do much more than I have accomplished in life. I should be a better wife. I should be a better mom. I should be a better friend! You know to whom much is given, much is required?!
The last several months have been a colossal disaster in so many ways and areas of my life, I have failed more than I care to admit to myself or anyone else. It’s been one of those things where I’ve literally take myself outside and ask myself what the *ELL where you thinking?
I’ve been used and discarded like a bounty paper towel, I’ve been rejected for lack of focus, I’ve been denied for being inexperienced, I’ve been excluded from not having enough status, the list goes on and on.
Sorta makes you want to take yourself off the playing field of life and just settle, cause after all, I’ve accomplished much more than I thought I ever would already so what’s the deal if I never accomplish anything else?!
It’s times like these you wanna keep moving cause you don’t want to give yourself too much time by yourself for you already dislike who you are seeing and hearing from that voice that really dislikes you.
And it’s in times like these that God is in the midst of the storm with you, whispering that no matter all your flaws, your bruises, your scars, your mess up, you are FLAWLESS in His eyes.
Has He seen me lately? Has He seen how many times I have screwed up the simplest of things?! YES HE HAS!!! and He still thinks and says you are FLAWLESS!
I’m sharing this with you because for some reason I want to encourage you that you are not alone on this journey. As Linda would say “I Love My Body”, I’ve learned to take it a bit deeper in saying I’m FLAWLESS, not in my own strength, but the Cross is enough to make me that way.
Knowing this it’s been easier to live with myself, cause I’ve gotten a better understanding of who I am in the grand scheme of things.
Here is a song that I hope you can listen/watch and get a visual.



Fear Disguised as Wisdom In Your Life

wisdom, fear, hope, christ

Recently I found myself just gripped with fear. Fear of parenting properly. Fear as to whether or not I’m being the best version of myself. Fear as to whether or not I’m supporting my husband and being a good wife. It felt like I fell into a sink hole after being on the mountain top. I’m not sure what happened, but some call it waking up on the wrong side of the bed and others call it waking up on the wrong side of bad programming. I like the latter better, because earlier on in my life I worried about just the basics such as food, clothing and shelter.

I grew up in a bamboo hut with dirt floors and when it rained, our dirt floors often turns to mud. When it stopped, we would door more repairs to brace for the next rainstorm. My bed was a few pieces of boards covered with old clothes that no longer fit my brother or was too worn for my father.

Much of my early years was a hand to mouth idea. Fortunately God strategically placed people in my life to help me dream bigger than my next meal. I broke out of what most thought was impossible and became the first in my family to finish college. But deep inside I was still dealing with fear.

When I got saved, I asked many of questions about provisions. For some reason I like to plan. I honestly don’t know if that’s the way I was created or if life’s hard circumstances has made me that way. So when I planned to start a family, a business, go on a certain vacation and it doesn’t work out even closely to what I had in mind, it causes me to panic internally. 🙁

I often look at friends and see God providing richly for them in ways that seems impossible and I get jealous. Yep, jealous, because in my mind, I’m checking all the boxes, I’m reading, working on myself, helping others, but then when it comes to my needs, it feels like they have been left by the wayside as roadkill.

You remember that story of the prodigal son? Well, I was the good son. I stayed and felt unrewarded. I’m a Christian because it’s a fire past to Heaven. I had no idea what it really meant to be a daughter of royalty. Slowly fear, jealously and envy began taking up space in my heart. I got jealous of other moms having babies and me being passed over yet again. Terrible I know! But true.

I had developed a pauper mentality that the church often disguise as wisdom. I thought for sure that there are only so many babies in heaven and God may run out. And if He runs out and I don’t get one I will never be a mom.

This pauper and poverty mentality trickled into all areas of my life. I can trace it back to as young as I can remember, because we never had enough. Especially when my mom left, I was five years old and we just didn’t know how to make ends meet at that point.

As I fell off the face of the Earth into a sink hole recently, I was met with Philippians 4:19 on the way done and this verse has been strengthening me.

But my God shall supply all your need according to His riches in glory by Christ Jesus

This verse has been directing me and holding me up to know that God will supply all of my need… every single need that’s on my heart. This verse has been showing me that I have promises in Christ which are yes and in Him amen. I have a choice between faith and fear, and for the last several weeks, it’s been a rough battle. But I’m so grateful, that God doesn’t run out of anything I may need, whether that’s physical or emotional. He has an abundance stored up for everyone of us.

So what lies has been crowding your life and mind and disguising itself as wisdom? Today I want to challenge you to ask God to show you what those things are and allow Him to walk you through the inner healing process.

Keeping it real




Do you have Oil on Tap: Renewed Faith

olive oil with branch of olive tree placed on wooden background

I often here and read about faith the size of a mustard seed so much when I first got saved that I went to find some, and today I walk around with a few mustard seeds in my purse to remind me of the size faith I need to have for God to work in my life.

Which brings me to the widow was who at wits ends, she didn’t know what else to do, so she was prepared for her family to go into slavery call debt. This would be pretty much for the remainder of her life and most likely part of theirs until a Shemitah or Jubilee year. You can read the whole story in 2 Kings 4: 1-7

But Elisha, the man of God who frequented her place asked her, “What can I do for you?” It’s almost a “duh” question, but look a little deeper and it’s a very valid question. She wants freedom, she wants for her and her sons to not go into slavery, she wants a way out of slavery that she is currently seeing as the rest of her life. 

Today as you are reading this, God is asking you, “What do you want me to do for you?” We see this in scripture when Abraham wrestled with the angel of God and many more places in the new testament. Today, He is still asking that question: “What can I do for you?

Personally, I always wait until I have stuff in my hand or money in my bank account before I catch a vision and plan what I want to have happen. But God’s provision is not dependent on your resources, it’s dependent on your vision. So what is your vision for your family?

You might be saying well, I don’t have the baby, so how can I have a vision for something I don’t have? All I’m saying to you is, have you laid out the vision you want for that baby before the Lord already? Have you started praying for baby’s future spouse? Provision for college and/or career choices? Or are you stuck on fact that you just had another failed fertility treatment and you are getting older? 

This widow had the opportunity to just say well I don’t have a husband, I don’t have any vessels, I don’t have any prospects in sight, I’m destined for slavery, it’s just the norm of how things work these days. Some people make it out and some don’t. But she didn’t. She went and borrowed other people’s vessels, went into her house, SHUT the door behind her and God gave her Oil on Tap for her situation. Do you have oil on tap for your situation?

Oil on tap translates to you taking prayers, ideas, supplements, whatever you have seen work for others, borrow their ideas and bring it to God. This widow borrowed vessels that were not in her house, she didn’t have the concept or means to acquire these vessels, so she stepped out and borrowed. I borrow Hannah’s prayers, I borrowed nutrition and supplement ideas from others, I took it to the Lord, and shut the door behind me. Shutting out what the doctors said about me being too old to have a baby and guess what God honored my faith.

What “vessels” can you borrow to renew your faith in the waiting?

Today I’m challenging you to walk by faith. Now unto Him who is able to do exceedingly abundantly, above anything you can ask or hope for, Ephesian 3:20.

What are you hoping for?

Have you written it down?

Go make it plain. Plane on paper and lay it before the Lord. Having your vision in your head in not sufficient, go write it down. Make it plain. Give wings to your faith.

If this was helpful for you today, leave a comment below. I would love to hear “vessels” you are borrowing to bring to God.

In Great Faith,




Working our Your OWN Salvation

salvation, stretching, work out, yoga

Have you ever stop to really dissect what it means to work out your own salvation? Me either… it was just a cool sounding Bible verse. But sometime last year I got confronted with the plank in my own eyes as I was working with a client.

This client had came to me because she had changed her diet significantly, was already a vegetarian, had done tons of personal development, changed to all natural and organic foods and beauty supplies, but she was still having the weirdest body odor that she couldn’t get rid of. My initial thought was that sounded familiar, but it’s probably nothing. 

Well I decided to work with her over the next few weeks and we began with a Zyto Balance scan and I was shocked for what showed up on her results and the causes for her unshakeable body odor.

The areas that needed the most work was her emotional balance. Once I started to dig further down into what was going on with her, she was terrified of what others had to say about her. Once again I was shocked. We are talking about a beautiful girl with the most amazing personality. I would have bet money that she was self confident and happy with who she was and I would have lost, like alot of money. 

I asked her to pray and ask Holy Spirit what was the root cause of when she first felt that way and she immediately started crying. We had an extra long session, but as we spoke and helped her cleared up some of her emotional blocks and it was an amazing and interesting experience, we had drilled down to the root cause. The work was just getting started though for her and for me 🙂

How so?

Because I got some clear revelation in the midst of the session working with her. I too was feeling the same way, extra self conscious about other peoples opinion. Paying so much attention to what other people think, say and do, that I was neglecting my true self.

That’s when Holy Spirit reminded me of the verse about working out my OWN salvation.

Phil 2:12: Therefore, my beloved, as you have always obeyed, not as in my presence only, but now much more in my absence, work out your own salvation with fear and trembling.

I began to ask more questions of Holy Spirit and started doing my very own emotional release and that’s when it really came to me that I have so many things that are jacked up about me, that I need to focus on me. I needed to run my own race.

Not in a negative, selfish kinda way, but in a way that I’m working the plank out of my own eyes, which means digging down to the very root of the situation. For this reason and so many more, I’m glad for the use of essential oils to help me get more results. I have found that this exercise alone takes up much of my time and really forces me to hone into what Holy Spirit is saying and asking me to do. Where He’s really directing me.

The bottom line is this: as women, we spend so much time picking each other part, criticizing ourselves, cutting ourselves down, that we never really stop to find out what it means to work out our own salvation. My personal revelation of working out your own salvation is that we work out the challenges that have been etched into our character, the issues that have prevented us from being the true beauties and powerhouses that we were called to be. The true, fierce, beautiful, regal Proverbs 31 women that we were created to be.

So my challenge to you is to first stop criticizing your body, your life and everything else about you. And start asking Holy Spirit what is the root cause of why you feel like you are less than in the biggest area of your life that you struggle with. Begin today to work out your own salvation.

In Christ,



The Stealer of My Peace

What is the stealer of your peace? I have so many of them, but one in particular is more cruel that the others and it sucks the life out of me, so I have been working desperately to evict this stealer of my peace.

So what is the stealer of your peace?

I recently spoke with a friend who got off Facebook completely because it was making them angry and critical of everything and everyone around them. Instead of speaking joy, love and peace over others, they found themselves taken off the straight and narrow path only to be comparing, tearing down and speaking death into other people’s lives.

I didn’t expect this from this person, but could totally appreciate the honesty which brought me to consider where is the biggest area of my life that is causing death and being very unproductive.

When Holy Spirit showed me, I was so guilt. It was comparison.

Comparison has been the stealer of my joy, peace, love, everything, comparison has been winning out.

Can you relate?

I compare myself to other women who struggled to have kids, other moms, other business owners, other wives and the list goes on and on, but the thing is, each of us are uniquely created. We may all be females, but we have different strengths, purposes and yes calling placed on our lives. So why do we allow comparison to steal of peace? 

Because we are discontent in ourselves and looking in the wrong mirrors. We need to see ourselves as God sees us, beautiful, brilliant, fearfully and wonderfully made.

So what can you and I do to break this cycle of comparison?

Here are a few things I have came up with and wanted to share with you today.

  • Accept who you are- You didn’t create yourself, but you were created with purpose. So investigate who you truly are. What makes you happy and learn to accept you
  • Do a social media detox- OMG! I love social media especially since that’s where I do most of business, but sometimes you need to stop. I do social media detox often, somethings once a week, because I need to recalibrate. Choose when you are going to do your and make it a regular habit.
  • Gratitude- This is so huge. We are constantly unhappy with what we look like, what our family situations are, where we live and how much money we make. Start being grateful for what you DO have.
  • Your Best Self- the only person you should be comparing yourself with is your younger self. If you are doing your best everyday, then you will be changing and improving daily. Tomorrow your life will be different than it was today. Choose to push yourself to YOUR limits. Know what those are and stop trying to live up to someone else’s expectations of you. God knew what you are capable of when He created you and He still thinks you are beautiful and wonderfully created. It’s time to run our own race with purpose. 
  • Done is better than perfect- Realize that there was only ONE perfect person and He was nailed to the cross. I don’t want that fate, so I’m choosing to embrace my imperfections, that’s apart of what makes me unique. There is never a need to you to be perfect, even when you are doing a project- done is better than perfect.

I could go on and on, but rest assured that your life will be alot easier and more fulfilling if you stop comparing yourself to other people. You are not in their shoes. You don’t have their DNA, you don’t have their mantle, you have yours. So let us do  ourselves a favor and aim to be our best self. Period.

Stay Beautiful




Overwhelmed by His Goodness

I am the vine you are the branches, grapevine

I’m sitting here shelling sugar snap peas with our daughter as she throws them at me to open then faster, I can’t help but think how blessed and overwhelmed with His goodness my life has been.

Here I am sitting in a inside a building that has air conditioning, clean running water, a healthy active baby, plenty of food and I just thought wow, Lord you have blessed me life so much, I’m overwhelmed by your goodness to me.

I grew up in a third world country and my mom left the house a few days after I turned five years old…. I still have the memories of her kissing my brother and I as she tearfully told us why she had to leave us, but that God would be taking good care of us and will see that right is done by us. It was a moment that’s been forever etched in my memory.

Fast forward a bit and life got really rough. Somedays we went without food and other days we stole what we could as my dad was would leave us for weeks on end to go be with his mistresses and learn more witchcraft. At one of these points our coal stove which was supposed to only be used outside caught a fire while we feel asleep frying dumpling INSIDE the house. We knew the dangers, but we didn’t know how quickly things could happened, but God saved us both.

I wish I could tell you all the things God has done for me. This blog post would go on for days. But the problem that I ran into was comparison. I compared myself with everyone else and how much I don’t or didn’t have and that took away my contentment to even be alive. 

Instead of seeking God’s face, I got to a place where He was my sugar daddy, my Santa Claus and my Easter Bunny. I forgot that He was the vine and I’m one of His branches.

But as I sit here, I look at where I am in my life, how many doors God has opened and how many doors God has shut (yes, I thank God for the closed doors too) I can’t get past the idea that I’m really blessed. My life has purpose. Your life has purpose!

To be in America. To have a husband who truly loves me. To have access to the internet so I can work from home while I watch my baby. Oh my word, to be a mom. To have all my limbs. To have access to healthcare. The list goes on and on.

So friend, what are you thankful for? What are you overwhelmed by His goodness for in your life? I want to challenge you today to pause for a moment and give high praise for what you do have. The blessings that God has blessed you with. The ups and the downs. Friend if you think of all the things that could go wrong that didn’t, that should make you happy right away.

Talk to you soon!