In reply to Dauphin:
Firstly many Indian people using the trains now do use the website. Secondly you'll be surprised how many Indians have smart phones now a days!
The Indian railways website does not work with foreign most foreign debit or credit cards. However this is a way around this! The website is called clear trip and they have a smart phone app. You do have to jump through a few hoops to set up an account but it works! Also it's much much easier to book trains on clear trip than the Indian Railways site.
Here's what you need to do Its laid out here. It takes a good few days to get sorted (but only an hour or so of your time)
http://www.indiamike.com/india-articles/setting-up-your-irctc-and-cleartrip...
I did this and it saved me a bunch of hassle planning trips and booking on to wait lists. However when I tried to book tacul tickets the clear trip site always incorrectly said the India railways site was down in the critical time 8-10 do to do this you'll need to use an agent and pay a fee or go all the way to a station.
Clear trip fees are extremely minimal and it's super easy to cancel at the last minute.
Most Indians book on to the busy trains months in advance and then cancel if they change there mind - I suggest you book as early as possible in to busy trains that you critically need to be on. However I found generally you will get a seat on trains nearer the time using the tourist quota or tacul systems but that's more hassle and more expensive to do. Also playing the wait list gamble normally works if there are less than 10 people on it.
If you haven't I suggest you have a good research on the Indian railway system before going - it's pretty good and cheap but quite different to ours
Post edited at 07:46