I wouldn't get a credit card - they only mess up the budget and get you into more debt.

Most electricity providers allow you to make a fortnightly payment, so if your electricity bill is $300 a quarter, just divide it by the number of pays you get over a quarter ($50 a fortnight) - then you don't need to worry about paying those bills. I think you need to need to get a float up in the account to cover the full amount of the bill (depending when you start).Telstra used to do it, but I think you have to ask them about it.

Everytime I've got a credit card and bought things I thought I needed, its just turned out to be a nightmare trying to find the extra money to repay the debt. I would save money every time - although like folks have said if it is an emergency, they are handy in that respect.

The only way to be a saver is to save money and go without until you can afford it. It is surprising how little you 'really need' when you have to save up for it.

Some credit unions do christmas club accounts, where you can put in x amount a fortnight for a year (which might help you budget for your wedding). Of course you can access the money early, but it can help you save.

My experience with reward cards is that they are crap! You need to spend up big to get any 'rewards' and by the time you have done that, with the interest you could have just gone out to the shops and bought exactly what you wanted (rather than just got what brand the credit company had done a deal with).

Go for a no frills card if you need to, with the lowest annual cost, and then put it in a HUGE block of ice in the freezer and don't go near it! Why give some large company your hard earned cash, in the form of interest! Put it in your pocket!!