I'm here to share details about handling your business and personal accounts in QuickBooks Desktop (QBDT) for Mac, @toddlerner. This way, you'll be able to determine the action you need to take care of this.
Here in QuickBooks, we always recommend not to mix your personal and business expenditures. This is to help you make good business and personal financial decisions. It isn't necessary to start an additional company in QBDT for Mac since there's a proper way of recording your expenses without combining your business and personal accounts. An example of this is to send yourself a bill or invoice, then pay and receive its payment to complete the process.
You can check out this article for further details: Pay for business expenses with personal funds. This link is for QuickBooks Online (QBO). However, the information can be a reference for QBDT for Mac as well.
Additionally, I'd recommend consulting your accountant to ensure your books are accurate. They can also further guide you on what other options that's best in handling your personal and business expenses.
To learn more about mixing personal and business finances in QuickBooks, I'm adding this article for further details: Why it’s best to keep your QuickBooks file all business. It also includes popular articles and video tutorials in effectively managing your business with QuickBooks.
Please let me know if you have other concerns. I'm just round to help. Take care always.
