recurring deposit

Open this recurring deposit with a post office or a nearest bank. every month you will pay them as per your committment. Keep the term for one or two years only. Not more than that. Keep the monthly instalment also low, which can be paid from your piggy bank accumulation. When ever you get salary, drop some amount into piggy bank and collect it and pay to recurring deposit. When your savings are more , open another recurring deposit for another short tenure and save in that too. Never keep the payment goal not reachable in this saving method.