TZIDO SUN / Shutterstock.com
Precisely 247 years ago, a bunch of ragtag colonists declared their independence from the tyranny of a monarchy across the sea. On July 4, we acknowledge their courage with celebrations all across America. Many people enjoy fireworks displays. Others hit the beach, host a barbecue or simply relax and reflect on how lucky they are to live in such a great nation. But if you are deeply in debt — or…