1. Generally speaking, everyone has a fixed income every month. Sometimes they don't have time or think they will use the money soon, so they just put it in the bank account for nothing and finally get a deposit interest rate of 0.35%. That is to say, if you earn 1000 yuan that month, you can only get 3.5 yuan's interest if you stay in your account for one year. This is obviously a loss.

First of all, we should deposit the money as soon as possible after it arrives, and choose to deposit it for three months, six months or one year according to our actual consumption situation.

3. The monthly income is 3,500 yuan. After deducting the necessary consumption, the balance can be 1000 yuan. So save for a fixed period-three months. After one year, the interest is calculated in four installments, and the interest is 28.8 yuan, so the interest earned is 25.3 yuan more than the interest on demand deposits.

After one year, you will have twelve certificates of deposit, which means that you will have a certificate of deposit due every month, so that you can get high deposit interest and withdraw it at any time for a rainy day.