One way to make incremental progress feel motivating is to use graphs to your advantage. You can make a bar graph that shows your payment amounts in small increments on the y axis like in this example:

Bar graph

That way you’ll be able to see that you paid more than the month before, that you have been paying regularly and frequently, and that your payments are adding up. Your payments will also look more substantial to you, which will help motivate you.

You can also pie charts to update your progress, although be sure that you literally focus on the portion of the chart that shows as paid when you look at it!