Journal + payment voucher or multi entry payment voucher?

Hello I'm an SME owner and would like to know what's the better accounting ettiquette for simple purchase transactions?

- Journal voucher: Debit Expense head, Credit Sundry Creditor and then a same day Payment Voucher: Debit Sundry Creditor, Credit Bank Acc

- or a single payment voucher will all 4 entries

Since I'm not a qualified accountant/auditor, I would like to at least make my Tally file easy to understand for others.

Thanks in advance.