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Saving is hard. We are here to help.Create a monthly savings group with your close friends.Everyone knows that saving is a good idea, but we find it hard to do. The temptation to dip into some of our savings is a hard one to avoid for all of us.Saving together is easy.Committing to a saving group with people you know ensures that you won't skip payments - and therefore you will achieve your savings goals.Keep each other motivated.Savings Groups are self-selected groups of 5 to 30 savers to pool their monthly savings. Meetings are usually regular, each member contributes the same amount at each meeting, and each member gets a larger sum of money once, and use it for whatever purpose she or he wishes.As many participants put it: “you can’t save alone.”So what are you waiting for?The simplest and most common form of savings group is called the Rotating Savings and Credit Association (ROSCA). A more flexible variation of this is called the Accumulating Savings and Credit Association (ASCA) and a more complex form, is the Credit Union or Savings and Credit Cooperative