With nothing coming in it's difficult to save (5)
I believe the answer is:
hoard
'save' is the definition.
(hoarding is a kind of saving)
'with nothing coming in it's difficult' is the wordplay.
'with nothing' becomes 'o' (I've seen this in other clues).
'coming in' indicates putting letters inside.
'it's difficult' becomes 'hard' (associated in meaning).
'o' put inside 'hard' is 'HOARD'.
'to' acts as a link.
(Other definitions for hoard that I've seen before include "Stockpile" , "Hard kick" , "Store of money or valuables" , "Accumulate" , "Stash of treasure" .)