Well if I plan things ok, we have a wedding early next year (I hope) and a baby after that (I hope). So a credit card will help me get things over time, and I will put every spare penny into paying it back. And once a new baby arrives, all of those maternity payments will pay the last bits off. There isn't much new stuff we'd need for a new baby. A car seat, a bassinette, clothes, nappies (sposies until bub fits into my current clothies). I got all of my DD's things very cheaply, I can do the same again. So I'll keep the CC on ice or I'll leave it with FIL for safe keeping.

I am trying hard to save but its not going well, I really think getting a CC would enable me to get the items I need and then I can focus on paying it off.

Am I being stupid, or do you think I could manage well?