Hey there, @keirad53. Thanks for dropping by to the QuickBooks Community page.
In QuickBooks Self-Employed (QBSE), you can categorize transactions as Owner's withdrawals when you transfer money out of your self-employed finances for personal use. On the other hand, you can mark income that's not part of your self-employed business as Personal.
To get better insights on how to properly track transactions you've paid using your personal or business accounts, I'd suggest getting in touch with a tax advisor. They can provide you with the right info to make sure your income and expenses are reported correctly in QBSE.
You can also take a look at these articles for more information about Personal Withdraw:
I'm just a post-away if you still need my help in categorizing your transactions. Thanks for dropping by and stay safe!