savings 是储蓄,存款,属于不可数名词.例如,I used my savings to buy a car.而 saving可以作为名词（存款...）,形容词（节俭的...）,介词（考虑到...）等等.在表示存款时,saving和savings可以互换,另外,savings account 表示存款户头.
savings or saving?
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