储蓄是每一个普通家庭投资理财的主要方式。因此,在参加储蓄时只有做到科学安排,合理配置,才能获取较高的利息收入。月月存储法也称12张存单法。此法既有利于筹集资金,又能最大限度地发挥储蓄的灵活性。如果家庭每月的固定收入为2500元左右,则可考虑每月拿出1000元用于储蓄,选择1年期限开一张存单,当存足1年后,手中便有12张存单。在第一张存单到期时,取出到期本金与利息,与第二期所存的1000元相加,再存成1年期定期存单。以此类推,您手中始终有12张存单。一旦急需用钱,只要支取到期或近期所存的储蓄就可以了,这样便可减少利益损失。 Savings is the main form of investment and financial management for every ordinary household. Therefore, when participating in saving, only scientific arrangement and reasonable allocation can obtain higher interest income. Moon month storage method, also known as 12 deposit method. This method is not only conducive to raising funds, but also to maximize the savings flexibility. If the family’s monthly fixed income of about 2,500 yuan, you can consider monthly 1,000 yuan for savings, choose a one-year limit to open a single deposit, when kept for 1 year, there will be 12 in hand deposit. At the expiration of the first receipt, the principal and interest due are removed and added to the remaining 1,000 yuan in the second period, which is then deposited in a one-year time deposit certificate. And so on, you always have 12 certificates of deposit in your hand. In the event of an urgent need for money, it is sufficient to withdraw the savings due or due to it in the near future, thus reducing the loss of profits.