Firstly I know I should separate business and personal expense/income ideally now. But i wasn't before. so I'm trying to see how i can record this in the book but moving forward of course its much easier.

Scenario 1: Credit Card (Personal Credit Card) / Personal Saving Account

- imported Personal credit card feeds into zoho (this is used as personal and business expense

Q1. How do I record personal expense on the book? if I don't want to show in financial report at all. Can I just use the exclude function?

Q2. If i am to use the exclude function to exclude all personal expenses, what about the credit card payment? I would record it as transferred from "saving account" to "credit card" account as card payment - however it is going to be a lumpsum of payment where it will be payment for personal and business expenses on that card obviously. Does this affect the book/report if I continue to record it this way? it seems like this way i'm paying "extra" into credit card because I've already excluded those personal expenses. (Note: the "saving account" also my personal bank account where also both business and personal income & expenses occurred).

Q3. I'm seeing some forum discussion about putting this into "owners' draw" and "owners' equity" when it comes to personal expense/income from a business account. But for my situation, the card and/or the bank account is both personal and business mixed. Which will be the best way to record this.

Scenario 2: Billable Expenses (Pay O/B of client)

- some times, I will pay on behalf of client for some charges (e.g, custom charges, email marketing subscription fee, facebook ads fee) then I'll ask for the money back - usually through PayPal. 

Q1. PayPal will charge me for a fee when i receive fund so for reimbursement I claimed back from client, I'll add a small amount of money so when I receive the fund, after deduction from PayPal, I'll still get the full amount of what I've paid for on behalf. How do I create this in an invoice? can I use the adjustment space in the invoice for that? And is this ok to do because I'll have to link it to the billable expense.

Q2. Because it is not a core business expense, I've created an account under "expense account' with the name "reimbursable expense" - and this will be the account I will point the expense to whenever I record billable expense. Am I doing this correctly?

Thank you.