Yeah, I and my College friend started saving every sato kes1000, we opened an account and we set our own rules. Ukichelewa kulipa fine 50 bob. Then coz we know saving money is not a good idea coz ni idle money, we save each with an investment plan, unasema what you want to buy, the amount you want to save to achieve it, then ukihit your target unaweza withdrawal and come with the receipt of what you bought, tunasaidiana kuhit our targets, tunajipea loans wenyewe pia like kama my target iko far, na uko almost, unapewa loan from the other, na pia kuna fines, unarudisha na interest ya 1.5%. Soo nikama sacco ya watu wawili🤣🤣