The money in a business account is for business expenses. Your personal money is for personal expenses. Mix the two and you ask for trouble!
Be careful when it comes to making charitable donations. What you get in return can negate any deduction, while some “charities” don’t even qualify for deduction!
Freelancers can’t afford to leave tax planning for the end of the year. Even then, most of the year-end tax tips are plain bad and not worth the time it takes to read.