Keep your business life separate from your home life as much as you can BUT always have a business bank account. Never use your private bank account for your business. Why? You may ask well any good accountant will tell you that if you use your private account for your business you open the way for HMRC to delve into your private affairs in an investigation situation. If your accountant has not told you this then maybe it’s time to change your Accountant and think “get me an accountant”.