Getting out of debt is tricky under normal circumstances, but even more so as 2020 exacerbated problems like unemployment, delayed payments, and other barriers to earning and saving money. However, 2021 will hopefully offer a fresh start to save and earn money. If you're looking to reduce the amount of debt you have and prevent yourself from getting into more debt, we break down how you can tackle different types of debt effectively to help you get that one step closer to financial freedom. If You're Debt Is Spread Across Many Loans, Get a Debt Consolidation Loan If you've racked up a fair amount of debt in the form of several loans (ie, personal loans, renovation loans, car loans, etc.), you may want to consider a debt consolidation loan. Basically, these loans consolidate your debt into one large loan, thus streamlining your monthly payments into one payment. They typically last a long period of time...