Hi there.
I would like to suggest that you look at somehow getting the platform to recognise amounts that are the same from different accounts.
For instance, if my husband refunds an amount of R1002.30 to my account, which I then pay over to my credit card, the app should be able to recognise that his refund is not a new expense, it is a refund. Alternatively, we need to be able to choose the option for the app to not see both the refund and repayment, as an expense.
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