M
With regards your own apartment - if it was me I'd be re-homing the cat and try move back in there.
my tuppence worth,If i had €10,000 in your situation in the morning i would open a seperate a/c with no laser or visa debit cards on it and set up direct debits to both your credit card a/c and your loan a/c. loan a/c for the monthly payment and visa for maybe double or triple your monthly payment whatever you are comfortable with. everything is looked after and paid on time and you still have access to some cash in an emergency if needed. €10k is a lot of cash to have and as we all know, you can never tell whats around the corner, Hope it helps
By the way I am currently paying €1000/month into our joint a/c towards the mortgage, bills & food at home. So, if I rent a place for €1200/month (which is all I am finding) I won't be dramatically worse off.
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