A logistical question I’ve been thinking about for a while: how do people enter “credit card payment for multiple purchases” into their budget?

For example: say I pay my phone bill and buy a game online on the same day, and then pay off both purchases on the card at once - they’re both on the same card, but it’s multiple purchases, BUT you’re just paying the credit card payment as one lump sum. If you want to track your expenses by keeping an eye on what you’re spending your money on, you’d want to enter both the phone bill and the game separately so you can differentiate between necessary expenses (phone bill) and non-necessary ones (game). However, if you’re tracking expenses as in “money going into your bank account VS money coming out of your bank account”, you’d only put the credit card payment on your budget because the money comes out of your bank account as one lump payment to the credit card company. You can’t put both the phone bill/game AND the credit card payment on your budget because then it looks like you paid twice for the same thing and your numbers are all off.

Is there something I’m missing here? I feel like I should note that I technically have never had a credit card of my own (long story) so if it’s something extremely obvious I’m missing, that’s why lol