12 young people between 23 and 27 across 6 cities? That’s a really poor sample size. Not to mention this won’t result in understanding any sort of inference.
I was in right direction. I saved like 30% of my salary in mutual fund and got like 48% returns . But then wedding season came, and my savings went from superhero to zero-hero 😂
@@kamalk0107 they never said to buy from them.. they advertise the Ideas to save ourselves.. and it's our choice.. maybe sponsorship to make content by them but so far they doing best..
@@lifedose1000 because gen z is the new generation in terms of coming to workforce. aka genz are new adults and their spending habits and social habits will dictate more or less current india's future prospects and how this would impact upcoming generations
The sad part is, this video won't get the views and appreciation it deserves, because people don't want to admit to their mistakes especially when it comes to financial decisions. This video reminds me of a very famous quote from a movie - "We buy things we don't need, to impress people we don't like, with the money we don't have".
I just love you guys, your content is amazing. Nothing like it. No BS, No promotion, just straight to the point. LOVE YOU GUYS, KEEP MAKING SUCH VIDEOS :)
One of the best edited video, loved each part of it. May the upcoming generation learn from these mistakes and make better choices going ahead! Thank YOu for leading a change! 💯
I Hope to reach this video in GenZ algo. and this was very much alarming, eye opening educative, informative also the boom of fintech can also be studied. very well presented
I dont use any social media except youtube (use with premium) . not aware of any trends and have no peer pressure. I save almost 90 percent of my income. just leave social media, you won't miss much after some time.
Totally agree! Social media, easy credit, and rising living costs make it hard to save or get ahead. Financial education is key for us to break the cycle.
Best channel i came across in 2024 so far. Really the content helped a lot & guided in taking the next step more clearly. Thanks to the team for making such useful content.
Thank god to my common sense that i quit social media (except TH-cam). These companies doesn’t have any ways convince me to buy something unless “They make me an offer I can’t refuse”.😂
I heard stories from my dadi ma how she restarted her life after India’s partition. At that time, she started her life all over with 8 kids. What I learned 1. You don’t need as much is advertise on media 2. All you need to cover body : few clothes. 3. Do not need to shop every year for objects and clothes 4. Save money 5. Live with in your chadar 6. Grass is always greener on the other side, so do what you have to do for your life 7. My dadi Ma’s favorite line, kisi da karza nayi dena asi”
@ yes! Do you remember that show where this guy was given an opportunity to get any land he wanted on one condition , he had to cover the ground by foot at sunrise and come back to the same starting point by sunset. He covers so much land by midafternoon, but he gets greedy and keeps running to get more and more. By the time he turns around and starts to make it back, his body just gives up and he dies. Then the show ends with the following , all he needed was “ do bheega zameen “
I think everything adds up, they target us with tempting advertisement, then we have credit card which incentivise us to spend through milestone benefits.
No. Her story is not my story. I hate clutter so hate buying anything unnecessary, just makes my apartment look smaller Show me all the ads in the world and I still wont buy it
"This video is amazing, but it would be even more helpful if you could create one explaining how to figure out what we can truly afford mathematically, especially based on current salaries and expenses. A step-by-step strategy for managing finances during a quarter-life crisis-budgeting, saving, and prioritizing-would be a game-changer for so many of us. If you think this would help you too, please like this comment so the creator can prioritize it and make it happen faster!"
25 year old self employed, don't have a credit card (neither I will ever have one). Never took money on credit. Waited 1.5 years to buy myself a phone worth 150k without emi or sacrificing on savings and my longterm portfolio investments, waited and budget another 4 months before buying high end ear buds and watch. Living life the "old" way, life style inflation (luxury spend) only after asset inflation (portfolio investments).
@@sachinkumar.singh187 And before you ask how (or maybe someone else does): SIP into ETFs (for portfolio) and buying bonds and liquidbees with the leftover money for any luxury that I want in the future which accumulates interest until I actually withdraw and buy that liability with full payment.
@@sachinkumar.singh187 No I did not spend all of savings on the phone. I invest for my longterm portfolio, keep aside my emergency fund and then the leftover I save (in bonds or liquidbees) until I actually go ahead and buy any luxury that I want.
Older generation had money in their hand so whenever they tried to pay anything, They knew something physical (actual cash) going out of their hand in order to get something. This logic made them spend on only necessary things and prevented them from overspending. It wasn't like they didn't have spare money. They definately did. Today we just pay for the stuff in a single click and on EMIs so we don't "feel" money going out of our pocket as every money is in the bank account. For us, it is just a number increasing and decreasing at the end of the month. For the older generation it was actual money they used to feel. Even I think twice before spending money by cash than UPI or credit cards.
True! Back then, giving cash felt real-you’d actually feel the money leaving. With UPI and credit cards, it’s just a tap, and the pain only hits later when you check your balance.
Sir, keep creating such informative and education videos. I watch your videos and truly appreciate your efforts and effective ways to impart the knowledge on audience. Kudos!
i'm a 1990 kid didn't have much access to internet during college time! used to spend 1500 in a month in hostel time! am a doctor now and persuing master's degree! but i also have that sexier chart of ott and online shopping
Seriously even after i well planned with my budget there is still getting big holes for unnecessary spends (I can't able to escape from that trap and consumption) currently my budget is save: 40% (MF+ physical gold) Needs:30% wants: 30% Some times my needs going to 45-50% (God damn infaction on food and unnecessary needs (maybe wants)) Hope time decides whats going to happens with my gen z life😂...
I think people need to understand that instagram and scrollable media is not really bringing any value to our lives and we are just wasting a significant amount of our time which we don't have in abundance. I'm 23 now and i don't believe that 2025 is coming soon and i used to write 2013 as a date on my homework. Those days were so good without phones
The issue with companies are if the people buy overpriced products in EMI the companies will increase the cost down the line because people are purchasing overpriced products... Now if the people doesnt purchase overpriced products and the sales are low then the companies will rethink their pricing strategy. It's just that gen z just goes into debt and is just making things expensive.. 😢
Wow, so we all Gen-Z are responsible for whole crime, war, inflation, price hike, and all such? Sir you dropped this 👑 Stop blaming us and stop licking arses of crony capitalist.
Sir can you tell about the funds of fund and mutual funds difference and which one is best and which gives high return and risk factors. which one is best for sip
Never hesitate to tell the hard truths. I really appreciate zero1. Thank you every one for priceless and life-saving content. One more thing in need to mention Pratheek sir has transformed too well in his fitness💪👏.
11 lacs is a lot of money. And the scary part is it is consumption and not some investment. No body in their right minds should spend more than 60% of their salary on discretionary spending.
My college going kid has spent 10K in a month on Google playstore itself whilst claiming its for project work!!! Cut off the pocket money... but to think of the distractions the Gen Z has is truly mind boggling 😢
Most of them are probably earning for themselves not like us who are 23 and giving all our money at home. These statistics is not correct i am from genz too so many of my office mates who are around same age and fully contributing so we don't even buy neceesary things sometimes.
It is not entirely the mistake of the generation. I remember in the '90s my father was just a day-to-day wage worker. He could have a house. Have two kids feed three mouths at house thereafter sent me to a CBSE school. And today the inflation is so much getting a proper housing or even meeting the smallest of luxuries. Your salary is nothing considering this expenditure.
Excellent content Prateek and full Zero1 team! Kudos! There is one solution to stay a bit away from advs - but it costs - pay for ad free subscriptions, where possible 😂
I have been using credit card for last 15 years but till now my bank was not able to charge me a single rupee till date. In addition I got cashbacks, offers etc. We should always know how much we can leverage. Budgeting is very important in one's life. If I want to make a big ticket purchase, I always brood over it for a month. If I still think, then I buy it. And segmental inflation is much much more higher than even 12%. And with rupee depriciating, inflation will bite us like never before. Before I bought my Google Pixel 7 a few years back I thought over it for more than a month, deciding whether I can afford it.
Criticising Credit Cards is a popular trend, because People can't critcise their indiscipline and forgetfulness. Here's what everyone needs to know: If you are paying in cash upfront, then you are paying more!
If you use a credit card, you end up buying things you don't need. Because of offers, to get points, to get lounge access, and so on. No one can escape the credit card trap!
I was also heading in this lifestyle inflation and reailsed that this wil be difficult to sustain when I will have kids and then to take care of their needs and future planning, I start planning the thigns from the smallest to the larger ones and seems that the path has been set. If there is no efforts in getting somethign, I just ignore it, it is that simple, because little efforts purchases will add up to larget amounts at the end of the year..
12 young people between 23 and 27 across 6 cities? That’s a really poor sample size. Not to mention this won’t result in understanding any sort of inference.
It's a biased and sponsored video 😅
I was in right direction.
I saved like 30% of my salary in mutual fund and got like 48% returns .
But then wedding season came, and my savings went from superhero to zero-hero 😂
Same happened with my bhaiya
If you don't mind asking did you regret that decision coz I'm gonna have to make a similar one soon lol
30% is very less. Minimum 70%. I save 80%.
@@wreckball2315 that means your salary is for yourself only, no one depending on you.
@@kaifjamal6265 yes I regret, but no choice, marriage also compulsory
Remember this channel is also an advertisement that wants us to save money so that we can invest in markets via Zerodha 🙏
@@kamalk0107 they never said to buy from them.. they advertise the Ideas to save ourselves.. and it's our choice.. maybe sponsorship to make content by them but so far they doing best..
And what's wrong in that?
When you use 100% of your brain, you get these thoughts 🤣🤣
Long term investment cost 0% brokerage except yearly mantainance. If u don't want to u zerodha u can u other u have a choice.
Nothing wrong, Invest Money and increase Indian Economy even if you are investing 2k everymonth
Thanks for this content-nobody really talks about this. Somehow, we all get lowkey tricked into buying more.
many people talk about this
Only idiots do
7/10 iphones on EMIs is a strong indicator of something is seriously wrong
Buy assets, not liabilities
💯
I am not them and I am 27
I have around
4 L in stocks
1 L in Index fund MF
70K in NPS
3 L in PPF
1 L in FD
1 L in Saving Account
Don't you think that,this should be here?
Think more you 27 yrs old
@@prggamingofficial1700 didn't get your question.
he is talking about gen Z who always copies west trying to impress everyone but spouse.
Why reveal holdings? Targeting risk.
I guess we should not share this info online. M I wrong?.
Which is why I don't buy OTT subscriptions. Pirate everything guys.
🤣😂🤣😂
😂
I am watching this on modded youtube which doesn't show me add and also have background play
lol
Link?
The editing of this video is incredibly satisfying to watch and appears professionally done! ✨
Kudos to the team 👏
☠️ Don't trust his words , he is tricking you to save money from over spending
Thanks & Regards
All e-commerce,fast delivery apps
😂
😂😜
0:12 wow! A grand total of twelve people. Such a large pool of people to reliably conclude gen Z is poor.
Make it 1200, the result won't change. Every single statistical data is indicating the same
I wonder why everyone is interested in genZ tho
Because they are the latest generation to join workforce@@lifedose1000
@@lifedose1000 because gen z is the new generation in terms of coming to workforce. aka genz are new adults and their spending habits and social habits will dictate more or less current india's future prospects and how this would impact upcoming generations
@@shomubhattacharjee5660 the sample size is really important in getting an accurate result. Trust me, I've studied that stuff all my life
The sad part is, this video won't get the views and appreciation it deserves, because people don't want to admit to their mistakes especially when it comes to financial decisions.
This video reminds me of a very famous quote from a movie -
"We buy things we don't need, to impress people we don't like, with the money we don't have".
Movie name please
@AshishChavan2904 Fight Club (hollywood one) trust me this movie could change the way you live life.
This movie and the Truman show
@@vikashprasad23 thanks for suggestion
@@AbhishekSharma-yw8vv 1st rule tod diya😂
I am from 1984. Didn't know what to do in life. Spent week with RS 250 in hostel life. Got nokia in 3rd year college. I am a Doctor 🙏.
Rich old guy you are
You were rich.
where are you from?
I just love you guys, your content is amazing. Nothing like it. No BS, No promotion, just straight to the point. LOVE YOU GUYS, KEEP MAKING SUCH VIDEOS :)
Thanks god , no AD in this video . 😅
I don't know. Mine is premium.
@gshrout nobody asked you man 😊
Thank my ad blocker. No ad anywhere on phone. Lol
Personal Finance & Financial discipline should be a mandatory subject in today's education system🙏thank you for such valuable content
One of the best edited video, loved each part of it. May the upcoming generation learn from these mistakes and make better choices going ahead! Thank YOu for leading a change! 💯
Extremely well articulated video. Saving is easy when there are less opportunities to spend!!
Zero1 trying to educate me more than my Btech Degree ever did. Kudos!
😅😜
Kudos for showing the dark reality of High-Fi life of this Generation.
This is happening with almost 90% of the youth across the world.
Much Appreciated - Awesome content. this is the video that needs to be displayed at billboard 👍🏻
Thank you for this video! Appreciate your efforts to save our generation. Please keep this series continued, love it.
🙌
I Hope to reach this video in GenZ algo. and this was very much alarming, eye opening educative, informative also the boom of fintech can also be studied. very well presented
I dont use any social media except youtube (use with premium) . not aware of any trends and have no peer pressure. I save almost 90 percent of my income. just leave social media, you won't miss much after some time.
I don't know how to thank you for such honest and awesome content . It's need of the hour!
Nice touch to go ad-free on this video if that was intentional :-P
Also the bgm crescendo at the end!
Appreciate the efforts behind :)
salute to your presentation,
Oh maaan, the first 40 seconds absolutely hooked me into watchign this entire video - too good!!
Totally agree! Social media, easy credit, and rising living costs make it hard to save or get ahead. Financial education is key for us to break the cycle.
Syia earning 75k pm at age of 26 is good. Meanwhile here I’m stuck at 25k pm at age of 26.
Not sure what the heck am I doing wrong
Start using ad blockers. Saves lives.
Best channel i came across in 2024 so far.
Really the content helped a lot & guided in taking the next step more clearly.
Thanks to the team for making such useful content.
Thank god to my common sense that i quit social media (except TH-cam). These companies doesn’t have any ways convince me to buy something unless
“They make me an offer I can’t refuse”.😂
the background music was so cool, thanks for the information btw
Superb, I see u as a finance influencer but I see you using iPhone and watch ultra, I feel like buying for my self as well.
Lmao
Sure, if you are earning as good as him at this point of time, the whole point is this + somewhat rationale decisions for buying.
Buy it without credit 😂
This is why I love your videos.
I saw my father saving money and investing it. Thank you bapu😁
Im earning 2x less than my dad with 2x more graduations than him, he is foing agriculture in a village 💀💀💀
How much you earn
What is "foing"?
I heard stories from my dadi ma how she restarted her life after India’s partition. At that time, she started her life all over with 8 kids.
What I learned
1. You don’t need as much is advertise on media
2. All you need to cover body : few clothes.
3. Do not need to shop every year for objects and clothes
4. Save money
5. Live with in your chadar
6. Grass is always greener on the other side, so do what you have to do for your life
7. My dadi Ma’s favorite line, kisi da karza nayi dena asi”
So true 😮
Naa kisi to lena, naa kisi daa dena.
Khaane ko roti, pehn de liye kapde, rehne de lyi mkaan.
@ yes! Do you remember that show where this guy was given an opportunity to get any land he wanted on one condition , he had to cover the ground by foot at sunrise and come back to the same starting point by sunset.
He covers so much land by midafternoon, but he gets greedy and keeps running to get more and more. By the time he turns around and starts to make it back, his body just gives up and he dies.
Then the show ends with the following , all he needed was “ do bheega zameen “
Damn, the thumbnail was really good !! Made me click it and hooked on for the whole video.
Same here!
We also pay more taxes than our parents and we are taxed on several instances of purchasing so....
Can we get the link to the wallpaper used in the monitor.😅
I wanted it too!
Exactly my thoughts
Bus yahi bolna hai prateek ji ka, zyada dekha dekhi pe mat jao. Wallpaper toh theek hai, isse zyada nahi 😂
I literally wrote the same lol
Take a screenshot and search in google lens. Done
Kudos for this video! Summary in 10:23 is all it makes it
I think everything adds up, they target us with tempting advertisement, then we have credit card which incentivise us to spend through milestone benefits.
Very useful economic analysis backed by rigorous data.
Very well said Sir. Adding to inflation, taxes (both direct and indirect) are heavily imposed on us which is taking away our future power of buying.
Thanks 🙏🏻 ZeroOne Team for Awareness 🔥 Videos like these for Gen Z!!
Thanks for the enlightenment! 😊
🙌
Thank you ❤
There are also scams happening on BNPL platforms, also a reason why transactions growing, Stay safe guys ✌🏻
No. Her story is not my story. I hate clutter so hate buying anything unnecessary, just makes my apartment look smaller
Show me all the ads in the world and I still wont buy it
Now that's what I call real content.Great one.
I'm 28 now, but since I spend wisely I have a backup saving for about 2 years.... Though I'll admit it might be coz of salary discrepancy now a days.
"This video is amazing, but it would be even more helpful if you could create one explaining how to figure out what we can truly afford mathematically, especially based on current salaries and expenses. A step-by-step strategy for managing finances during a quarter-life crisis-budgeting, saving, and prioritizing-would be a game-changer for so many of us. If you think this would help you too, please like this comment so the creator can prioritize it and make it happen faster!"
Hello ChatGPT.. 😅
Great content!
25 year old self employed, don't have a credit card (neither I will ever have one). Never took money on credit. Waited 1.5 years to buy myself a phone worth 150k without emi or sacrificing on savings and my longterm portfolio investments, waited and budget another 4 months before buying high end ear buds and watch.
Living life the "old" way, life style inflation (luxury spend) only after asset inflation (portfolio investments).
I'll not call it prudent either because if it takes 1.5 yrs of savings for just a phone..it simply means you didn't effort it.
Credit cards are good. Use it wisely.
@@nayan.j Completely agreed. But it is way too convenient to fall down the pit of pay later. So I avoid it.
@@sachinkumar.singh187 And before you ask how (or maybe someone else does): SIP into ETFs (for portfolio) and buying bonds and liquidbees with the leftover money for any luxury that I want in the future which accumulates interest until I actually withdraw and buy that liability with full payment.
@@sachinkumar.singh187 No I did not spend all of savings on the phone. I invest for my longterm portfolio, keep aside my emergency fund and then the leftover I save (in bonds or liquidbees) until I actually go ahead and buy any luxury that I want.
Extremely insightful and relatable, can we have the link to studies and research papers mentioned
Older generation had money in their hand so whenever they tried to pay anything, They knew something physical (actual cash) going out of their hand in order to get something. This logic made them spend on only necessary things and prevented them from overspending. It wasn't like they didn't have spare money. They definately did.
Today we just pay for the stuff in a single click and on EMIs so we don't "feel" money going out of our pocket as every money is in the bank account. For us, it is just a number increasing and decreasing at the end of the month. For the older generation it was actual money they used to feel.
Even I think twice before spending money by cash than UPI or credit cards.
True! Back then, giving cash felt real-you’d actually feel the money leaving. With UPI and credit cards, it’s just a tap, and the pain only hits later when you check your balance.
man I tell you, I went to sketchers yesterday n the employees all had latest iPhones n Apple Watches, krazy stuff i phone used to be a luxury but now
I love these videos ❤
8:55 I loved this part so bad!!
Good work ❤
Keep Enlightening everyone ❤
Aboslutely Brilliant Stuff and Examples....every GenZ kid should watch this video.
Please never stop uploading these kinds of amazing and informative videos!❤🔥🔥
Man that was so insightful, although we all know what is right or wrong
Love this series !!
Those animations are amazing. I loved the style. Give your animator a kudos from me. 🎉
Sir, keep creating such informative and education videos. I watch your videos and truly appreciate your efforts and effective ways to impart the knowledge on audience. Kudos!
Genz are not overspending or poor, it is because of the government
🤣🤣🤣🤣
i'm a 1990 kid
didn't have much access to internet during college time!
used to spend 1500 in a month in hostel time! am a doctor now and persuing master's degree! but i also have that sexier chart of ott and online shopping
Dint like the tee. Very colourful
Very well explained 👏🏻
Thanks a tonne ❤
Delayed Gratification is the secret of financial freedom.
I Love The Marshmallow Experiment .
Guilty of all of these mistakes and more. Anyways it's a very paowefull message. Thanks for coming out with such great content
Seriously even after i well planned with my budget there is still getting big holes for unnecessary spends (I can't able to escape from that trap and consumption)
currently my budget is
save: 40% (MF+ physical gold)
Needs:30%
wants: 30%
Some times my needs going to 45-50% (God damn infaction on food and unnecessary needs (maybe wants))
Hope time decides whats going to happens with my gen z life😂...
amazing video graphics!!
I think people need to understand that instagram and scrollable media is not really bringing any value to our lives and we are just wasting a significant amount of our time which we don't have in abundance. I'm 23 now and i don't believe that 2025 is coming soon and i used to write 2013 as a date on my homework. Those days were so good without phones
Explained wonderfully, recommend making a financial goal planning video, keeping in mind GenZ needs & desires.
The issue with companies are if the people buy overpriced products in EMI the companies will increase the cost down the line because people are purchasing overpriced products... Now if the people doesnt purchase overpriced products and the sales are low then the companies will rethink their pricing strategy. It's just that gen z just goes into debt and is just making things expensive.. 😢
Wow, so we all Gen-Z are responsible for whole crime, war, inflation, price hike, and all such?
Sir you dropped this 👑
Stop blaming us and stop licking arses of crony capitalist.
My suggestion to the younger gen: One' life baby spend and enjoy now because you won't get this golden time at your 50's..
Excellent stuff... Continue contents like these
Glad you liked it😊
earning "more" doesn't mean anything when money itself is loosing value everyday.
Cool t-shirt man ❤, where can i buy it ?😂
Thanks for another great content team ..
The basket of goods also had 🤫 aka kasuri methi...😁😁😁
Sir can you tell about the funds of fund and mutual funds difference and which one is best and which gives high return and risk factors. which one is best for sip
Never hesitate to tell the hard truths. I really appreciate zero1. Thank you every one for priceless and life-saving content. One more thing in need to mention Pratheek sir has transformed too well in his fitness💪👏.
Yes he did lose 6 kgs, another 2 to go! Thank you for the love ❤️
Plz add education loan also into it. Nowa days 10lac education loan is so normal...and this goes to 20 30 50 lac as well...
11 lacs is a lot of money. And the scary part is it is consumption and not some investment. No body in their right minds should spend more than 60% of their salary on discretionary spending.
Very insightful video!! Now can I have that cool t-shirt you are wearing?
And poor part is noone considering a small charity from their incomes🙃
My college going kid has spent 10K in a month on Google playstore itself whilst claiming its for project work!!! Cut off the pocket money... but to think of the distractions the Gen Z has is truly mind boggling 😢
Need more detailed video regarding this. Maybe a series!
Most of them are probably earning for themselves not like us who are 23 and giving all our money at home.
These statistics is not correct i am from genz too so many of my office mates who are around same age and fully contributing so we don't even buy neceesary things sometimes.
It is not entirely the mistake of the generation. I remember in the '90s my father was just a day-to-day wage worker. He could have a house. Have two kids feed three mouths at house thereafter sent me to a CBSE school. And today the inflation is so much getting a proper housing or even meeting the smallest of luxuries. Your salary is nothing considering this expenditure.
Actual and harsh truth
Real truth revealed
The prices have gone up, indicating private sector companies greed for money that like you said, even basic things are expensive 😮
Excellent content Prateek and full Zero1 team! Kudos!
There is one solution to stay a bit away from advs - but it costs - pay for ad free subscriptions, where possible 😂
Indian knows & understands money after 35 years of age. That's the point when you start creating the actual wealth.
I have been using credit card for last 15 years but till now my bank was not able to charge me a single rupee till date. In addition I got cashbacks, offers etc. We should always know how much we can leverage. Budgeting is very important in one's life. If I want to make a big ticket purchase, I always brood over it for a month. If I still think, then I buy it. And segmental inflation is much much more higher than even 12%. And with rupee depriciating, inflation will bite us like never before. Before I bought my Google Pixel 7 a few years back I thought over it for more than a month, deciding whether I can afford it.
Criticising Credit Cards is a popular trend, because People can't critcise their indiscipline and forgetfulness. Here's what everyone needs to know: If you are paying in cash upfront, then you are paying more!
@@shadesofsayan exactly
If you use a credit card, you end up buying things you don't need. Because of offers, to get points, to get lounge access, and so on. No one can escape the credit card trap!
@@saurabhthakur100 There comes the indiscipline part, it has nothing to do with Credit Cards as a rational financial instrument.
But isn't the sample size a bit smaller
I was also heading in this lifestyle inflation and reailsed that this wil be difficult to sustain when I will have kids and then to take care of their needs and future planning, I start planning the thigns from the smallest to the larger ones and seems that the path has been set.
If there is no efforts in getting somethign, I just ignore it, it is that simple, because little efforts purchases will add up to larget amounts at the end of the year..