How to Get Out
Whatever about the SSIA, you've got to stop putting 50 per month into a deposit account. It makes no sense to be saving at a low rate while having a debt at a hight rate.
It's worth considering reducing your SSIA payments also as the previous poster pointed out.
Now, to look at the hard facts.
1. Not including the Credit Card your debt seems to be about €1000 per month, including your mortgage, which means about 40% of your take home pay. This is certainly not a bad situation.
2. You say you have €350 left over for clothes, parking and paying back the credit card. I make it €410, but in either case it's still a reasonably healthy sum of money. Considering that you've taken care of the essentials like food and shelter.
3. You are spending too much on Going out and Smoking. Not what you want to hear but if you feel trapped by debt then you've got it wrong. You are spending close to €500 a month on Drink and Fags.
If you are spending €500 a month for that while relying on your credit card for day to day spending then you don't have a debt problem, you have a drink and fags problem.
Sorry if this sounds a little harsh. But I honestly think you are focusing on the wrong thing if you think debt is your problem.
Incidently, could you let us know roughly your CC Balance and monthly repayment. That would change my 40% figure above.
-Richard