Anthony Jospeh Amaradio recommends following the 10-10-80 Giving and Saving Lifestyle Plan, which emphasizes 10% of your income to be for charity, 10% for your savings, and 80% for your expenses.

Aliso Viejo, California, United States, November 22, 2025 -- Known as a motivational financial expert, the founder and manager of Select Portfolio Management, Inc., and Select Money Management, Anthony Joseph Amaradio presents 5 good ways that automatically help you save money. Anthony Joseph Amaradio emphasizes the timeless wisdom behind the saying, "A penny saved is a penny earned." He explains that true financial growth comes not just from earning but from saving—transforming income into lasting gain. Money that flows in and out without being retained results in a net financial zero. By prioritizing saving and investing, individuals can build both wealth and long-term security. Tony teaches that finding ways to save in everyday activities not only amplifies financial blessings but also enhances one’s overall spiritual well-being.

Anthony Joseph Amaradio recommends following the 10-10-80 Giving and Saving Lifestyle Plan, which emphasizes 10% of your income to be for charity, 10% for your savings, and 80% for your expenses.

1. Build a Budget - Review your needs, plan for your wants, and remove the waste. Knowing where your money goes and how much you really have coming in is the first step. Record your recurring fixed bills such as utilities and loans. Next, track how much you are spending on groceries and eating out. Don't forget to include that morning stop for coffee. Here's where you will find a big chunk of wasted cash. Even just a few skipped cups of joe can add up to a savings of $25-50 a month.

2. Automate Deductions and Transfers - Out of sight, is out of mind. You can set up an automatic transfer from your checking to a savings account or you may be able to set up a plan to split up your paycheck deposit through your employer. If the saved coffee money is not in your spending account you can't use it.

3. Get Cash Back - Many credit cards and websites offer cash-back incentives. 3% cash back on gas or groceries can really add up. If you don't take advantage of these programs, it's money left on the table. You may have to read the fine print and sign up, so check the promotions on their website when you log into your account.

4. Interest Rate Reduction or Pay Off Debt - This is money in your pocket right away. Many credit card companies will lower your interest rate by a point or two if you simply ask. One phone call could save you hundreds per year. Of course, if you can afford to pay off your debt, you could save thousands.

5. Lower Fixed Monthly Bills - Cable, Internet, and phone bills can often be reduced. As technology advances and competition increases companies are bundling services and creating new plans on a regular basis. You should be aware of their latest offerings and your current usage. Maybe you are paying for an extra cable outlet or a premium TV channel you don't watch. Perhaps you could subscribe to a streaming service and eliminate your cable bill. Think of savings!

Anthony Joseph Amaradio advises that a Christian lifestyle asks for a commitment to evaluate your limitations and improve upon your faults every day. In the same way, we strive to be good Christians, so should we be faithful to our finances.

The leading financial strategist and proud founder of two highly regarded wealth management companies Amaradio is also a sought-after speaker and former host of the popular financial radio show "Market Talk," which he hosted for over two decades. Known for developing one of the first comprehensive wealth management models in the country, Tony currently dedicates a good portion of his time to philanthropy. He is also the co-author with his wife Carin of a book, Faithful with Much: Breaking Down the Barriers to Generous Giving, which is recognized as a comprehensive and inspiring guide to achieving effective financial management.

Anthony Joseph Amaradio - Visionary & Strategic Philanthropist: http://anthonyamaradionews.com

Anthony Joseph Amaradio - The Best Thing You've Ever Done! on Vimeo: https://vimeo.com/313895972

Anthony Joseph Amaradio - Facebook: https://www.facebook.com/Anthony-Amaradio-580623782054204/

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Name: Anthony Joseph Amaradio
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Video URL: https://www.youtube.com/watch?v=Nz0jAilnkPg

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