Basically, we forced ourselves to put aside a sum of money so that at the end of duration, we got some money saved up. 

Buying university insurance plan is one of the most commonly utilized "forced saving" which is through an endowment plan. 

Recently, my wife ask my sis for endowment plan, I ask her why is there a need to do that, since she is investing under my advice. I told her I am confident of beating the 2% guaranteed rate and the project rate is 4%, which is not a tall order for me too. 

She thinks it is more secure and it is a form of risk spreading. I am fine with that,  and she ended off with saying "forced saving" ma. 

Case number 3, I had a close friendwho stayed   with in-laws, rented ...