I’m having a lot of pain with shared tabs recently - whenever I split something with someone else it still counts toward my spending.
e.g. if I were to pick up the bill in a restaurant for £60 and split it £30 using a shared tab, my spending targets still show I’ve spent £60, NOT £30. This is making tracking my spending basically impossible at it stands.
I’ve seen this discussed a lot. Usually the most popular proposed solution is to have incoming payments in a category count in reverse for targets (so if you had £60 spent from eating out then £30 incoming it would show £30 spent for your target). Probably optionally, to avoid issues with e.g. salary coming in leading to a negative spend.
This allows it to work whether or not you use a shared tab or the friend just sends you the money.