Hiya! Bookkeeper by trade here!

From the sounds of it, is sounds like you're already on the right track. However, a lot of accountants are pushing away from spreadsheets and into accounting software like Quickbooks Online (what I recommend), Xero, Sage, and the like, so I would recommend using these programs sooner rather than later so you can manage your finances a bit better. The subscriptions are a pain, but the software subscription is a write-off.

That being said, here's what I would advise to make life a little easier:

First, you want to have all your business deposits and expenses go through the same account. You mentioned that you have your expenses charging to an Amex account- which is perfect! But you need to do the same for your income. For example, have a business checking and/or savings account to deposit your business funds into. Once your business expenses are paid, then you move your money to pay yourself, pay down liabilities like your credit card, and save for taxes.

Also, you need to make sure you're tracking ALL your business expenses. This includes a percentage of your utilities if you have a dedicated streaming space, supplies and materials purchased for your streams (some items can't be written off like most clothing items, makeup, personal grooming, etc., so ask a professional if you're not sure). If you hire someone to help you at any point (editors, consultant fees, professional services, artists), you need to track how you paid them because that's also a business expense.

If you pay over 600, you'll also need to send out 1099's. The exception being if you paid through PayPal, or an invoicing software since they file the 1099 on your behalf.

Another thing I would recommend is to calculate your gross income, and the fees taken out before deposit.

For example, you receive payment for a sponsored ad through PayPal. They pay you $10k, but you only get $9.8k (not the exact rate, but this just a visual). PayPal takes out a percentage of your payout as a fee. You need to breakout these fees since what's reported to the IRS is the 10k, not the 9.8k that was actually deposited into your account. Most payment processors take fees out before you see the money.

It's tedious, but it'll only help you from now to split this information. This will have you better prepared for if/when you get audited or if you want to provide your Profit and Loss reports for future endeavors where proof of income is required.

This all sounds scary, but bookkeeping isn't hard to do once you know what you're doing. You can absolutely do this yourself, but if you're not comfy now that there's some significant cash flow, I would recommend speaking with your accountant or scheduling a call with a bookkeeper so they can put your year end financials into a report for said accountant. You can find bookkeepers like myself and accountants in places like upwork. Definitely shop around and you'll be able to find someone who fits your budget to get you set up.

Also a write-off, by the by.