Transfers between multiple accounts
My wife and I have multiple accounts. And sometimes we transfer money from one to the other to pay for things.
So for example there will be a debit for 125, the. A credit for 125, and then a debit to a business for 125.
how do I categorize all of these?
All your accounts need to be on budget.
The transfer is a transfer: one account goes up by 125, the other goes down 125. This does not affect the budget at all.
Then you categorize the spending, and whatever category it is goes down by 125.
Read the below article over and over until it sinks in (perhaps even start a new fake budget to experiment so you can see how it works.)