Self-employed person advice. Five bank accounts: IN, TAX, EXPENSE, TAN(K) & Living. All income goes into IN. Then percentages go to TAX, EXPENSE and TANK. You setup an automatic payment (living AP) from TANK to Living expenses and you live/save from living expenses. TANK is basically "drawings" but setup for easy monitoring. Like, ideally you'd have an idea of how deep tank needs to be for your situation. For me, i like to keep mine between 13 and 7 fortnightly payments deep. When tanks is low, then time to look for more work, if tank is high then maybe I can treat myself/save more. Anyway, this means I'm not short on tax or money to run the business plus I have a way (tank depth) to see how the business is actually going. Do I need more work, better paying work, or can I rest a bit etc.