You can never go wrong by joining a sacco

When you get a job, before you earn your first pay, find out how you can join the company’s Sacco and start saving immediately. If the company does not have such a facility, find one that has a stable Sacco and join. These days, the savings facility is open to the public unlike in the past that members had to be employees and when they left the company, they were asked to quit the savings scheme as well.