计划好已知将要花费的(比如：圣诞俱乐部，季度保险账单，个人财产税金，等等)，为这些事项有规律的做好储蓄。
Plan for known upcoming expenditures (think: Christmas Club, quarterly insurance payments, personal property taxes, etc), by making regular deposits into an account for these items.
这对储蓄者来说更公平；设置上限也鼓励保险公司开发更多能够填补个人负债的产品。
That would be fairer to savers; setting a limit might also encourage insurers to develop products that would cover individuals’ liabilities.
国家提倡劳动者个人进行储蓄性保险。
The State shall advocate that labourers practise individual insurance in form of saving account.
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