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Earn up to 100,000 points or more in the first year
No pre-set spending limit* and no finance charges
Discounts with FedEx, Delta®, Courtyard by Marriott®, and more
Automatic Complimentary enrollment in the Membership Rewards program
Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
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DID YOU KNOW?

	A debt free lifestyle means having financial security and independent wealth with no monthly debt. One has to control their spending if they want to become free from debt. The basic steps for achieving a debt-free lifestyle by a family are as follows. The first step is the preparation of family budget by the husband and the wife together to determine the amount available, if any, for the monthly payments towards a debt program. The family should be very strict in stopping the usage of credit cards. It should adjust its expenses in such a way that every expense should be met within the family budget. If the family has already taken any debt, it should give top priority for the debt payment rather than for other household expenditures. The family should follow the steps of accelerate debt repayment programs to get out of debt as soon as possible. The Simple Debt Free Living Plan will help a family in succeeding at money management and control based on the family's unique situation so that the family can lead a debt free lifestyle. The plan is designed to eliminate debt, balance the household budget, save money through frugal living, help the family to become financially secure, and provide resources that produce extra income for the family. The plan also strengthens the family values in the sense that effective management of the money makes children financially responsible and independently wealthy. This plan consists of three major components including a plan to eliminate debt, a plan to make a household budget, and the tips for frugal living and money saving. The Simple Debt Free Living Plan requires household budget planning and allocation of the total amount of money for specific purposes. The Debt Free Living Household Budget will help in controlling the family's money and help them lead a debt free lifestyle. The budget cautions the family from getting caught within the credit card debt and thereby helps in avoiding them. Debt free living will really help with getting personal finances back on track. A debt free lifestyle can also be achieved through debt management, which again will be based on household budget planning. Debt management along with household budget planning creates debt free lifestyle.

When the New Year is upon us most smart business people take inventory and make plans for the coming year. Most of these actions focus on external items, like deciding on how many widgets you are going to make and sell, or how many new clients you hope to acquire by the end of the first quarter. While this type of inventory and planning is necessary, it is important as a business leader that you take time to inventory and plan for your own development as a leader, and this involves both reflection and introspection.

A good place to start is simply by asking yourself the question: what do you want people to say about your impact as a leader 10, 20 or 30 years from now? Or what would you like your leadership legacy to be? Even better: write down your responses to both of these questions. What comes out on paper may surprise you.

Cartoonist Johnny Hart once noted that a legacy is "something that one should be able to hand down, without having to trump up." It is not a strategic plan that can be nicely quantified and measured. Rather, it is the sum of all of the outcomes resulting from our behavior that others continue to remember about us. That's the key here - it's what others continue to remember about us, not how we remember ourselves. Put another way, it is the cumulative record of how others think we measure up to the person that we had intended to be or that they expect us to be.

Take a moment to think of some of the current or former public or corporate leaders that have been in the news during the past year: The Apprentice's, Donald Trump; The Oprah Winfrey Show's, Oprah Winfrey; South Dakota's former Senator, Tom Daschle; LA Laker's Guard, Kobe Bryant; Martha Stewart Omnimedia, Martha Stewart; Secretary of State, Condolezzaa Rice; and U.S. President, George W. Bush. For most of us, it is probably very easy to articulate their leadership legacy - the good, the bad, and the ugly.

So, what can you do as a leader to insure that your legacy is the one that you want to be remembered for? First, successful leaders have a strong sense of their personal values beyond their business values. They have a personal mission and vision for their life as well as their business. And, as you probably guessed, the most successful leaders are those who have found a way to combine the two proactively.

Second, successful leaders have passion. Find what you are passionate about in life and then find a way to incorporate this into your life in some way every single day. To me, passion can be defined as the current that propels us forward to fulfill a purpose or a goal. It is often the source of the creativity, energy, rejuvenation, and inspiration, that all leaders rely on everyday in order to be effective. For me, that passion revolves around helping others be successful leaders.

And finally, successful leaders take time every day for personal reflection and renewal. Reflection is critical because self-reflection is the greatest source that we have for tapping into our own self-knowledge. And, it is by tapping into our own self-knowledge that we grow both personally and professionally, helping us to become the authentic leaders we hope to be.

If you hope to obtain greater self-knowledge, the only way to do that is to find time for silence. In today's 24/7 media-bombarded world, there are fewer and fewer opportunities that present themselves naturally for reflection. That's why it is critical that you schedule time for reflection as frequently as you can. Daily would be best but weekly and monthly can work too.

You don't always have control about what people will remember as your leadership legacy. However, there are things that you can do to ensure that you are remembered the way you want to be remembered. Identifying what you would like your leadership legacy to be is a good first step. Combine that with a strong sense of your personal values and your passion, and, take time for personal reflection and renewal, and you will be well on your way to achieving a lasting legacy that you can be proud of.