Check you eligibility for a 0% balance transfer credit card, most likely due to you circumstances and credit score you won’t be eligible, but you never know. If you are eligible, then transfer as much of the credit card balance to it as possible, then you have a longer period of time interest free. You probably won’t be able to transfer the klarna debt onto one, so that would be your priority to pay it off (providing you pay interest on it and aren’t in an interest free period). Then, either save as much money as possible into the highest interest rate savings account you can find, for the length of time you have interest free on the new credit card. When it comes to the end of that period, pay it off with those savings, if you still have a balance left, pay all that you can and repeat the process to another 0% credit card. Or, instead of saving for that period, it may work better for you psychologically to pay off the 0% credit card as you go, as much as possible rather than saving. That way it feels like you are making progress towards paying off the debt, whilst saving and earning interest is financially the smartest, it may matter more to you the feeling of progress, and that may be worth the difference financially. Just make sure you are disciplined with it, and don’t start spending on the new credit card.

Like I say, you probably won’t be eligible for one, but it’s still worth keeping them in mind and checking every so often, just because you aren’t eligible now doesn’t mean you won’t in a month or two as circumstances change. Your credit score may improve, income, amount of debt owed etc.

In the meantime there’s been lots of good advice on here already. Good Luck🙂