Money Money tips for the new year: Here are 21 ways to reduce debt, build an emergency fund in 2021 December 17, 2020December 17, 2020Adam Shell, Special to USA TODAYComments Off on Money tips for the new year: Here are 21 ways to reduce debt, build an emergency fund in 2021 A new year is fast-approaching. Now's the time to hatch a plan to get your finances back on track.