Oops! That was personal - Cleaning Up Comingled Expenses Artwork

No Se Habla Taxes

Welcome to No Se Habla Taxes—the podcast for creative agency owners who are done guessing about their numbers and ready to actually understand them.

I'm Melissa Armstrong, CPA and fractional controller, and I will tell you the financial truth your accountant was too polite to say out loud. Every episode, we get into the real operational finance stuff: cash flow chaos, pricing mistakes, hiring decisions, and the messy money moments that nobody talks about but every founder lives through.

If you're running a marketing or creative agency in the $500K to $5M range and your revenue looks great on paper but something still feels off, this show is for you.

No fluff. No spreadsheet worship. No finance speak for the sake of it. Just plain English answers to the questions keeping you up at night.

Because the numbers don't lie. Let's go find out what yours are saying.

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No Se Habla Taxes

Oops! That was personal - Cleaning Up Comingled Expenses

July 09, 2025 • Melissa Armstrong, CPA • Season 1 • Episode 5

0:00 | 6:50

Welcome to No Se Habla Taxes—the podcast where a CPA does her own bookkeeping, spills all the beans… and then counts them. I’m Melissa Armstrong, your fractional controller and financial translator, here to share the real talk behind the receipts.

In this episode, I’m confessing a classic bookkeeping blunder: using my business card for personal expenses. Yep—Target runs, Amazon orders, late-night DoorDash (for "business stamina," of course)… I’ve done it all. And like many early-stage founders, I told myself I’d “fix it later.” Plot twist: I did. But not before my P&L looked like it had a double life.

Listen in as I walk you through:

Why mixing personal and business expenses is more than just messy—it’s risky
The legal and tax implications of commingling funds (hi, corporate veil 👋)
The exact step-by-step process to clean up your books and prevent future slip-ups
How separating your money Marie Kondo–style can save your sanity and your strategy

💡 If your business card is pulling double duty for client lunches and cat food, this episode is your friendly (and slightly sassy) intervention.

🎧 Like what you hear? Hit subscribe, leave a review, and share this with a fellow founder who’s still Venmoing their way through bookkeeping limbo.

✨ And don’t forget—my DIY bookkeeping mentorship program is launching this fall. Subscribe for more updates, more confessions, and fewer uncategorized transactions.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/