Managing Your Personal Finances Better - Long before spousal support is awarded or your new budget is in place, using these financial tips will prepare you for the divorce process.. Whether you work from home or own a multi-million dollar company, there are numerous reasons to separate personal and business finances. Yet, business owners still make the mistake of using a personal bank account for their business.. 6. Decide if you want Real Estate Investment Trust (REIT) exposure. Ownership in an REIT or a fund of REITs is a way to profit from real estate without the hassles of managing rental property yourself..