Put 3 day/wk need to reduce repayments

Your total income (I assume monthly) is €2715, with outgoings to debt listed as €1437 which leaves €1278 for I would assume household bills and food. Which should be more than enough. Where is this money going? Do you use a spending diary if not start one.
Write to the credit card company asking then to freeze balance if you agree to return card, not use it and pay a set amount each month.
 
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