Fixed term savings accounts are no good but if instant access savings that's fine. Two accounts are also OK. Sponsorship has to be either an immediate family member or the company you work for
I've just noticed on another response that you are not in the UK but are actually in Cambodia. That may well make a difference. I'd suggest you get a visa
Anonymous participant You're not really a tourist if you have a permanent home here. Nevertheless if you use visa exempt entries and return to your home country between visits you should be OK