All the advice you have been getting from colleagues and neighbors sounds good, but when you tried mobile money yourself the technology and paperwork was too intimidating. You could try to join a savings club? But you don’t have the money right now and you don't want everyone to see your small deposit.
Are community financial services for someone like me?
You realize that you just need to save a bit more, and then you'll feel proud to join a savings club and deposit your cash.
The services your colleagues talk about are for successful people, not for someone like you. You continue to save cash in your mattress.