Oy, I am AWESOME at finances, and I still needed my accountant brother to explain some of the terminology in my accounting software. I say, start with what you can handle, you're not a franchise yet, you just started, no need to go all out from the start. Get Quickbooks or MYOB or whatever, open an account for your biz, and have your banker hubby explain what goes in which column, write checklists for various accounting tasks, and define any vocabulary that's new to you. Then, as soon as you can afford it, hire an accountant. If your dh doesn't want to help you get started, hire an accountant to get your self set up. Just my two cents. Opening a business checking account is as easy as taking your biz registration paperwork to the bank and saying "I want to open a business account."