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/

https://steadyhandaccounting.com/

Welcome to No Se Habla Taxes—the podcast for founders fluent in business, but maybe not so fluent in bookkeeping. I’m Melissa Armstrong, CPA, fractional controller, and your financial translator-in-chief, sharing the behind-the-scenes of doing my own books (and cleaning up my own messes).

In today’s episode, I’m confessing my payables chaos:
✅ Zelle payments with zero paper trail
✅ Venmo emoji transactions that made my accountant (ME!) cry
✅ A brief but horrifying flirtation with handwritten checks

Spoiler: I eventually got my life together and switched to QuickBooks Online Bill Pay—and let me tell you, it’s giving clean books, less chaos, and no more "who the heck is Maria S. and why did I pay her $1,200?" vibes.

You’ll learn:

• Why Zelle and Venmo aren’t sustainable bill pay solutions for real-deal businesses
• What makes QBO Bill Pay actually work for solopreneurs and early-stage founders
• How the new AI feature helps you drag, drop, and auto-fill bills like a boss
• Why centralizing your payments can save your sanity (and your audit trail)

💡 If you’ve been duct-taping your payment process together across five apps, this is your sign to simplify. QBO Bill Pay isn’t just convenient—it’s a full-on grown-up move for your back office.

🎧 Listen in, laugh at my chaos, and walk away with a smarter system. If you love it, subscribe, leave a review, and share it with your favorite founder who’s still Venmo-ing their web designer.

Let's connect!

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

https://steadyhandaccounting.com/

Welcome back to No Se Habla Taxes—the podcast where a CPA confesses the kind of stuff that would’ve made her audit professor sweat.

In this episode, I’m airing out one of the messiest (and most relatable) money habits I’ve had as a founder: paying for business expenses with my personal credit card… repeatedly, on purpose, and sometimes with a side of cinnamon almonds.

Here’s what I share:

• Why I didn’t apply for a business credit card right away—and the story I told myself that kept me stuck
• What finally pushed me to make the switch (spoiler: tax season chaos and 137 Amazon orders)
• Five solid reasons you need a business credit card, even if you're just starting out
• How keeping your books clean isn’t just about compliance—it’s about clarity and confidence

💡 Whether you're DIYing your books or just tired of playing “business or personal?” with your expenses, this episode is your sign to stop co-mingling and start building smarter systems.

🎯 Bonus: Here's a referral link for a business card with 0% interest for a year. Treat your business self (but maybe skip the cat treats). https://www.referyourchasecard.com/21s/ZYGFUP2WV8

🎧 If this episode hit a little too close to home, hit like, subscribe, follow—whatever your platform of choice calls it—and share it with another founder who deserves better than spreadsheet chaos.

Let's connect!

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

https://steadyhandaccounting.com/