Can you pay your credit card payments online? Also, be sure to keep the due dates on a calendar so you don't overlook them. If you don't already use something fancier, try google calendar. You can set up recurring events and have it send reminders to email and pop up messages. Now that you've used the emergency funds for a couple of them, I hope that gets you back on schedule so you don't run short when the payments are due.
I'm glad to hear that you're working on a budget. Do you also total it up and talk with your family about it? It's good to group the various types of expenses, such as household (rent, utilites), phone, groceries, eating out, etc. Has it revealed any excesses that need to be cut back on?
Regarding the extra financing: I thought that they took the balance that you owed on the credit card as of a certain date and turned it into a fixed term loan -- equal monthly payments over 3 years, which means that each of those payments includes interest.
So lets say you have 12 months to go and pay L.10,000 per month. Are you saying that if you pay it off early, you'll only have to pay, say L.100,000 and not the total of the payments (L.120,000)? If that's so, then, you're right, there's nothing to negotiate. Unless, of course, the bank would negotiate on your principle amount. Some banks do that in the US, too, but probably not here.
For some reason, I didn't receive your comment on this or I would have responded sooner. I was worried that you might be mad at me. I wouldn't blame you, but I'm glad that you aren't!
I was surprised that the highest balances were the ones you made the most progress on. Are those the ones with extrafinancing and/or lower rates?
So you've paid off about $11,000. An interesting exercise might be to total all of your payments in that 17 months and compare that total to the $11,000. This might also be something to go over with your wife.
I know that you know that paying minimum payments doesn't give you much progress on the balances, but maybe your wife doesn't get it. If she was to get a job, even if only for a couple of years, you could get most of those balances paid off. I just don't know how long you can go on working 12-15 hours a day.
I know you've tried to cut costs in several areas, but it's really going to take something big (like another paycheck) to make an impact. I know that you don't want to live this way for another 5-10 years! I hate to see you living with so much stress.