Force saving.
And actually kutu situation like this.

Imagine that u need to pay road tax and insurance.
forgot didnt save money earlier. Simpan 100 a month kenot cukup. So join kutu 12 ppl = RM1200.

So just say to the keeper, u need to pay insurance on February. So in February, Instead of having only RM600, u get RM1200. Then after that u need to continue paying.

But, kutu is illegal yo.