I had to call the debt management company for my credit card to update my payment details today and the man I spoke to was amazing. So helpful and really kind.
He asked me if there was anyway I could increase my payment by $16 per week (to put that into perspective that's about 3 large takeaway coffees) as if it was possible he could halve the interest rate in paying and cut 8mths off the repayment schedule!
I figured it's worth doing so made the commitment to up my payments - this card will now be paid off by April 2019 rather than having to make the final payment in 2020. He also told me that I can pay any amount as an extra payment so if I've got $10 left at the end of the week to pay that off my card as it makes a huge difference when it's all added up.
Finally I can see light at the end of the tunnel and I can't wait to have an extra $286 a month in my bank rather than in theirs!