I model it as another account in my books. Each subscription has a recurring debit and it gets credited when money actually moves from my bank. It’s a bit annoy

I model it as another account in my books. Each subscription has a recurring debit and it gets credited when money actually moves from my bank. It’s a bit annoying if I buy a one-off thing since I have to enter it by hand, but it’s infrequent enough that it’s not horrible.