It doesn't sound right that your business expenses would reduce your refund, while everything else remains static.

Yes, you can use PTO to prepare your personal return but you won't be able to e-file unless you have an EFIN, although you can always file on paper.

I'm sure you're a competent bookkeeper but it sounds like you should consider hiring a competent tax professional to help you with your taxes.  

You may also like to note that this forum is only for tax professionals and we do not address consumer questions even though you may be using PTO.