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Which currency to take with me to Hungary, Czech R, Austria, Germany

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I guess this question would be directed to Australians who have travelled recently in Hungary and Czech R.
I am becoming totally confused as to what currency to take with me. Should I use a Cash Passport Debit card loaded with what currency as opposed to a debit card and M/Card? Euros are not I'm told used in Czech and Hungary but all things I've seen like hotels have been quoted in Euros - hence my confusion I suppose. It seems it's not as simple as loading the card with Euros.
Can someone tell me please what is the cheapest option when coming from Australia - what method did you use?
We will be doing our own thing in Prague and surrounds for a few days. Have paid for our hotel so it will be just food / trains/ bus type spending there. Then we join a cruise tour (paid for from here) thru Germany, Austria and into Hungary after which when we disembark we will be paying for hotel, food etc. in Budapest before training to Vienna to catch flight home.
Thanks - Denise

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