I usually just make all my Sims rich. Paying bills in real life is too much anyway. They live the life of soap opera characters - fame, fortune, affairs, throwing lavish parties and I usually fill my world with Sims from Sims 1, 2, and 3.
For some reason in my new Save, my sims wont get married 3 days later. @Bonxie I haven't changed any settings from my old save where Sims were getting married.
Here are my settings