Hello YTLD
Thank you for reaching out with your question.
While it is the best and important to not to mix business and personal expenses on your S Corp business account.
Any unavoidable personal expenses you incur out of your business account should be treated as Owner withdrawal and booked as such. There is no need or reason to set up detailed accounts for owner's personal expenses (like utilities, groceries etc. ) in your business QuickBooks.
Hope this is helpful
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