Basicly I joined a syndicate. I pay a £50 a month fee which covers parking and insurance (fixed costs) I/The other members get access to a PA28 and a Katana, there is an online booking system, we book up slots and go fly for a fixed rate previously mentioned.
There is no risk, no cash upfront. We don't have to commit to so many hours a month, some months I fly 1-2 hours, others 10-20.
We have around 20 members, this sounds a lot, but remember there are 2 planes. most people fly on weekends, a lot of the members do less than 5 hours a year.
The other benefit is we often share trips, this gets us further for cheaper and we all end up learning from each other.
I would go down to your local airfields and see what is for offer, usually there are loads of flyers/ads about, if not speak to people, even put up a flyer yourself.
I must admit, most groups want you to buy a capital share, but there are a few that don't
I hope this makes sense