Monthly Weekly
Wage 1 2973.76
Wage 2 2388 597
Wage 2 Is the 597 the weekly wage because if it is you have another 2388 of an income. If it is the monthly income there is no need to change your post.
Where I am coming from there are 52 weeks in the year. 12 * 4 is only 48. In your post you are multiplying a weeks wages by 4 to give a months wages as in 597*4 =2388. Your post is pretty well laid out otherwise.
How about giving yourself and your wife weekly spending money in cash, a set amount, and sticking with it? No credit cards, no debit cards, just live on, say, 250 euros per week in cash between the two of you, in addition to all the dd bills you listed. And also start an emergencies/big expenses fund, as a separate bank account, so you budget for big expenses (annual insurance renewals, car repairs, holidays etc) in advance.
Do you smoke ? Or are there some medical bills that need to be kept up ?€106 for life assurance seem high
I would suggest the first thing you do is keep note (app or notebook) of every penny that is spent - coffee, newspapers, sweets, top-up shop on the way home from work, etc.
After a couple of weeks it should become apparent where the other €1,300 is going - that is actually €300 per week - more than four times what you think you are spending on food!
If you can "find" this money then you will see whether you actually have a problem or whether you just need to cut back on the above spending - the overdraft will disappear in 2 weeks if so.
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