Money tips for the new year: Here are 21 ways to reduce debt, build an emergency fund in 2021 Adam Shell, Special to USA TODAY How you can save $1 million for retirement Replay Video UP NEXT Start the countdown: A new year is fast approaching. So now is the time to hatch a plan to get your personal finances back on track. Think of 2021 as a fresh start to solve your money worries. Here are 21 tips – or must-do "money" resolutions for the New Year– to help you trim your debt and build up that crucial emergency savings fund in 2021. Since most people need a substantial amount of money set aside to help ride out an unexpected financial setback, we'll kick off this list of advice with some money-saving tips recommended by financial planners and advisors: