Ignition Dimension (ID: chaintruth) original
Produced by Burning Finance
Author | Zhang Lin Cao Yang Xie Zhongxiu Zhao Chenxi
Guo Yimeng Deng Shuanglin Hou Yanting Yan Junwen
Edit | Xie Zhongxiu
"Where's the money going in 2021?" "The annual bills of Alipay and WeChat are out, but I haven't earned that much." ”
On the first day of the new year (January 1, 2022), the annual bill of Alipay, which has attracted much attention every year, is released. Someone said bluntly as always, "After reading Alipay's annual bill, I: How can I have so much money?" Some people have also found changes in the annual bill, "This year's bill seems to focus on life services, all of which are mentioning movies, carbon reduction, living expenses and the like, and there is less content for consumption." The impact of the bill is not so great. ”
Figure / Alipay annual bill
Source / Screenshot of Burning Finance
Not only Alipay's annual bills, but also the departure of the curtain in 2021, the major apps have also stepped up to launch the 2021 annual report.
From favorite playlists, how many takeaways have been ordered, how many group messages have been processed, to the last songs to listen to and friends who have visited the space the most, and which book to read... The roads you have traveled, the meals you have eaten, the videos you have watched, the money you have spent, big data will help you remember clearly.
The launch of the annual report has become the year-end standard for Internet products. Thanks to big data, the platform will generate tags that match the user's personality based on indicators such as user search content and usage time. For example, in 2021, the "musical soul" of NetEase Cloud Music and the "role of Douyin Strange Travel World" of Douyin triggered users to share spontaneously, and while meeting users' social needs, they promoted their own APP.
Previously, Apps such as Douban, Weibo, AutoNavi, NetEase Cloud Music, QQ Music, Kugou Music, WeChat Reading, and Station B have released their annual reports in 2021, which have also aroused a lot of attention. On Weibo, #NetEase Cloud Music Annual Summary # got 1 billion views, #QQ Music 2021 Annual Listening Report#, #Douban 2021 Annual Community Report#, #B Station 2021 Annual Report#, etc. also triggered discussions.
For users, some people feel redundant, "any APP must produce an annual report" For example, even Xicha has an annual report. There are also people who feel that big data does not understand themselves at all, "some APP copywriting is particularly sensational, one of the copywriters is probably to accompany me until three o'clock in the morning, I thought for half a day I was because of what emo that day, turned over half a day chat history to remember, I was happy to go out with friends that night, but forgot that the APP playback function of this mobile phone at home was not turned off. ”
There are also people who see their own 2021 epitome from the annual report, and also feel that they have been poked by the annual report. Xiaohua, a post-90s girl, received an annual report from a music APP: At 01:29 on October 15, 2021, you are still listening to Nora Jones's "What Am I To You". It was the day she broke up with her ex-boyfriend, and the two of them came together because they both liked jazz, and the night they broke up was the song they had once loved to sleep with. Playing the song again, after calmly listening, Xiaohua knew that he had come out.
Every year, the annual reports of major apps come out, and they will brush the screen. Whether it is completely accurate or not, it records the time of 2021 to a certain extent, and also reminds some details of life.
In this issue of The Tavern, we chatted with a few young people and shared the moment they were poked in the annual report. Among them, some have changed their shopping habits and spent 140,000 yuan on Douyin; some have taken out orders in the early morning and recorded the hard work moments; some people have been occupied by CFA tutorials in order to prepare for the CFA (Chartered Financial Analyst) WeChat reading list; and some people have found the footprints of their ex-boyfriends in the QQ annual report...
The annual report also has drawbacks, such as the first two years, the new "quiet visit" added by the NetEase Cloud Music annual report has made many users shout and be embarrassed. The 2021 Kuaishou annual report reads that users have not uploaded photos and videos, which has also raised questions.
The annual report has a certain value and can record the time spent, but each APP should also grasp the scale and do things within the scope of authority.
For the first time, I earned more than I spent
Xiao Meng 丨 27 years old staff member
Just looked at the annual bill of Alipay, nothing touched. Maybe because Alipay's center of gravity has changed, it used to remind me how much I consumed, giving people a lot of impact, but in 2021, it seems to be biased towards life services, most of them are mentioning "consumption in movies and performances", "walking XX million steps", "ordering takeaway XX times", "completing X times of living payment"... I was almost asleep.
But seeing the end, I was suddenly bright and happy, because the total bill showed that in 2021, I spent 100,000 yuan on Alipay, but the income was 130,000 yuan. Although in comparison, my consumption in 2021 has not decreased. But it was the first time I had more income than expenses and had a balance.
In 2021, my keywords are estimated to be financial management and anti-consumerism.
Photo / Little Dream's Alipay annual bill
Source / Little Dream provided
In the past, I was a "moonlight family", and my monthly salary would be spent, and sometimes I would spend ahead of time. But in the past two years, my friends around me have begun to demand and force me to learn financial management and rational consumption, and save a part of my salary every month, and then the part that can be consumed.
2020 is the first year I've changed my spending habits, but it may be the first year, so it doesn't work out well. In 2021, I actually had a small balance of 30,000 yuan, which is really a big progress for me in the "moonlight".
By classification, my biggest consumer spend is still on catering. But we can also see a change, because it is obvious that more consumption is needed – such as catering, consumption, etc., and some unnecessary consumption is reduced – such as clothing and the like. In addition, my own consumption habits have also changed, such as checking whether I really need it before buying, and I will take the time to compare prices.
While it reduces the pleasure of consumption, it is only when you see the bills that these changes are valuable. In 2022, I hope that I will be more rational in my consumption and only make necessary consumption. Because the happiness brought by consumption is temporary, but the wealth saved will always accompany you.
In 2021, I actually spent 140,000 yuan on Douyin to shop
Time丨 35 years old personal entrepreneur
Douyin has published an annual report, many people are posting in the circle of friends, most of them are watching food videos, which is equivalent to learning XX hours of cooking knowledge and the like. But what surprised me most about my Douyin annual report was that in 2021, I actually spent nearly 150,000 yuan on Douyin.
Photo / Screenshot of the TikTok annual report of time
Source / Time courtesy photo
My Douyin shopping mainly comes from Luo Yonghao. I've been liking Luo Yonghao since he started Hammer Mobile and have become a fan of him. Most of the fans who like Lao Luo are persistent, authentic and honest, and of course, they are willing to spend money. At the beginning, I often watched Lao Luo live, occasionally bought something, and after a long time, I liked to consume on Douyin, feeling that it not only helped Lao Luo, but also met my own needs.
From April 2020, I transferred my e-commerce shopping habits from Tmall and JD.com to Douyin, and in the live broadcast room of Douyin, the most valuable thing I bought was mobile phones, computers and gold, mainly in the Lao Luo live broadcast room, and some tea leaves, teapots and bracelets were also bought in other anchor live broadcast rooms.
Many people ask me, why do you believe that there are no fakes on TikTok. I said that I would spend one or two hundred thousand yuan a year on other platforms such as JD.com, Taobao, and Xiaomi Youpin, but I just replaced a platform for consumption.
I have a friend who spent more than 50,000 yuan in Douyin in 2021, and during the New Year's Day, she grabbed a package to go to Yanbian, Jilin Province, and spent more than 2,000 yuan. When she consumes, she just thinks that the introduction is interesting, looks very beautiful, and leaves when she says. Of course, because it is a New Year's Day trip, the hotel still makes up the difference, but the overall experience is still quite good.
She has a point of view: "When there was no Douyin e-commerce, 100% of my consumption was on Taobao (Tmall), and at that time I had no money and could spend 1,000 yuan a month." Now I spend 5,000 yuan a month, 3,500 yuan on Taobao, and the remaining 1,500 yuan on Douyin e-commerce. ”
For Taobao, I am still a growing user and a healthy user. But Taobao also needs to be vigilant, users' consumption habits may change, such as before Taobao owned 100% of me, but now it only has 70% of me.
The takeaway order in the early morning is my part-time work memory
Cans 丨 24 years old hit worker
At the end of the old year and the beginning of the new year, the annual reports of major apps will brush the screen. But what I didn't expect was that the most defensive thing for me in 2021 was the annual report of Meituan Takeaway.
As a North Drift worker, living alone, takeaway has become the best choice, takeaway is my most common person, Meituan and Hungry is an APP that I can't uninstall. About December 31, 2021, I saw that all the major apps have published annual reports, opened the Meituan takeaway, and also had a "taste of the year" search hot word, so I was curious to open this annual report.
As soon as I opened it, I found that in 2021, I actually ordered more than 200 takeaways, and spent more than 10,000 yuan on takeaways. Not only does it say that you want to save money and use the flag a little fast, but you are eating takeaway almost every day, which is too unhealthy. But this is an inevitable situation, noon in the company, do not want to go out to eat the best choice is takeaway, the choice is rich, the price is cheaper than going out to eat; back home at night, it is too tired, or takeaway worry; do not want to move on the weekend, or takeout it.
Photo / Takeaway annual report of cans and cans
Source / cans provided
What pokes the beater even more is that the annual bill reminds me that (2021) September 9, 00:18 I ordered a potato goulash rice bowl, which is my latest order in 2021, "You work so hard, does your boss know?" "After it was reminded, I went to see the pictures and chat records of September 9, 2021, and then I remembered that I was on a business trip, taking a research route, from Chayu County in Nyingchi, Tibet, to Bomi County, originally planned to drive to Nyingchi City overnight, but there was a car accident on the road, a dispute, a toss-up, and finally stayed at the hotel in Bomi County in the early morning and ordered a takeaway.
This record makes my memory clear.
In addition to these bitter memories, the annual report also has some interesting content, such as I have ordered takeaway in Beijing, Tibet, Guangdong and other places; I have also ordered a chicken rack because of the Shenyang flow tune and the chicken rack explosion, and participated in lighting up a hit; the most lit is Burger King; and I have tirelessly noted to the boss, "Old customers, add more side dishes"...
The memory of taste is the most faithful, for example, I still occasionally think of the taste of my mother's cooking when I was a child, although more than ten years have passed. Occasionally, I miss a dish because of the environment, atmosphere, and people who ate it at the time. So when I saw this annual report, I felt the most moving.
However, in the new year, I still hope that I will eat less takeaway and cook more, healthy and happy.
In 2021, hit workers flew to 14 cities
Tianyi 丨 30-year-old business manager
I work in an event hosting company, customers in various large and medium-sized cities in China, in order to dock with these customers to the details of the activity landing, "flying everywhere" has become my daily routine.
2020 can be said to be the "easiest" year after I came to this company, at least because of the impact of the epidemic, I don't have to fly so many places. But with the effective prevention and control of the epidemic in 2021, my work rhythm has also returned to normal.
On December 31, 2021, I saw many people in the circle of friends posting the annual reports of various apps, including air travel. So as a "trapeze artist", I was also curious to see how far I had flown this year.
Don't look at it, don't know, look at it and be shocked. According to the statistics of the airline, between January 1, 2021 and December 31, 2021, I flew a total of 28 times to 14 cities, the flight mileage reached 45,951 kilometers, and the flight time was 83 hours and 45 minutes, surpassing 98.86% of the users of the airline.
There are 14 cities a year, and there are still more among my friends. But I was no longer aware of the exhaustion of this flight.
What I remember even more is some interesting things during the flight. For example, the flight from Chengdu to Ulanhot. I remember that it was 11 o'clock in the morning from Chengdu, first to Hohhot, and then to Ulanhot. Everything was fine for the first leg of the trip, but after arriving in Hohhot, the plane was delayed by three hours, and the departure was scheduled to take off at 15:10, but it was delayed to 18:34. By the end, it was 20:34 p.m. in Ulanhot.
The delay was more than 3 hours, the whole trip took more than 9 hours, I remember a colleague who was traveling with me at that time, and our first reaction after finally arriving at the destination was, "This trip is like going abroad!" ”
But what impressed me was not the fatigue of the flight, but that after arriving in the local area, we ate a very local food and drank a particularly delicious local liquor. For people like me who prefer wine and have higher requirements for wine, being able to drink such a good wine can basically neutralize all the rush and fatigue before.
Photo / Local liquor drunk after arriving in Ulanhot after 9 hours
Source / Tianyi courtesy of the image
The new year has arrived, and my first flight of the new year has been scheduled for mid-January. In fact, past experiences, whether they are good or sad, are equally precious and worth cherishing.
My 2021 WeChat reading list is all occupied by CFA textbooks
Xinxin 丨 29 years old fund manager
I have always had a program to take the CFA Chartered Financial Analyst certificate because I majored in finance and became a fund manager after graduation. The CFA can basically be said to be the trump card certificate of the financial industry.
But in the past two years, I have been failing to prepare for the CFA certificate, which also makes me doubt myself and feel that I am not working hard enough. It wasn't until I saw the WeChat Reading 2021 annual report that I reconciled with myself and agreed that I had really worked hard.
In the past, I wanted to take the CFA certificate mainly to improve myself. But I was too busy at work, and I couldn't get home until almost every year after 9 p.m., so I couldn't really lift my spiritual study. Until these two years, the employment environment of fund managers was much worse than before, forcing me to put the exam on the agenda. So I set myself a preparation plan, getting up early or going to bed late, and taking an hour to prepare for the exam every day.
Preparation starts in 2020. The CFA Level 1 exam consists of a total of ten subjects, including quantitative analysis, economics, financial statement analysis, corporate finance, fixed income investment, and so on. The study of ten subjects made me stressed a lot, reading books every day, listening to online classes, coupled with busy work, sometimes the mood became very down, in order to relax, I chose to read. So in the 2020 WeChat Reading Push my annual report, most of my book list is literary works.
Photo / Xinxin's WeChat reading report
Source / Courtesy of Xinxin
But because of insufficient preparation, I did not pass the exam in 2020. So in 2021, I decided to redouble my efforts and use the fragmented time I had spent reading idle books to learn. Unfortunately, I was greeted by another failed exam. Recently, I was still considering whether to run a tutoring class, and I was also confused about the future.
Until I received the annual report of WeChat Reading, I found that the book that accompanied me the longest in 2021 ranked first in the "CFA Level 1 Chinese Explanation" and the second was the "CFA Level 1 Chinese Explanation". I've been frustrated that I haven't passed the CFA exam for two consecutive years and feel like I'm not trying hard enough. But big data records the changes in my reading habits and the process of using fragmented time to persevere in learning in 2021.
In addition, the personality label that WeChat Reading gave me this year is "game breaker", I like this label very much, all the breaking of the convention, all the uneasiness about the status quo, must have the courage to break the game. There are many reasons for failing the exam, the preparation method and the mentality in the exam room will affect the final score, and I don't have to blame myself for not working hard enough.
In 2022, if I keep trying, I will definitely accomplish my little goals.
My Douban 2021, the establishment of a professional mutual aid group also held a sharing meeting
Little Ai | 28 years old foundation practitioner
Douban only launched the annual book video report in previous years, and in 2021, the annual community report was launched for the first time. Unexpectedly, this "Douban 2021 Annual Community Report" recorded an important "achievement" for me, that is, about the group I created myself, "Sisters in the Public Welfare Industry".
Photo / Ai's 2021 Annual Community Report
Source / Provided by Xiao Ai
I work in a foundation that focuses on rural support projects, and there are nearly 6,000 fans on Douban, where I usually share some information in the field of public welfare, and there are many friends and neighbors who pay attention to public welfare undertakings.
I found that there are many women's mutual aid groups on Douban, such as lawyers, product managers, finance, biopharmaceuticals and other women's groups in various industries, but not in the public welfare industry. I thought that in fact, the public welfare industry also needs a channel for mutual help and information sharing, such as academic exchanges and work confusion.
In fact, many people don't know which channels to focus on the relevant positions, and they don't understand the differences between different agencies. Especially for those who want to enter the industry, it is difficult to obtain relevant information channels, and sometimes even the difference between foundations and social work agencies is not clear. I wanted to set up a group to promote more communication among women in the public welfare industry.
I set up this group in October 2020, in fact, there are not many members, but some important things happened in 2021.
At present, the group is basically for the exchange of professional information. For example, some people who have found a new job do not know whether it is good or not, post to ask everyone's views, or a newcomer who is ready to enter the industry, Xiaobai, who is very confused about job hunting, and wants to understand the basic characteristics and requirements of the industry. I and some of my more senior philanthropists will start from our own experience and give them some advice.
Two days ago, a girl paid attention to the "partnership maintenance" position of the China Foundation for Poverty Alleviation, and she did not know what the job responsibilities of this position were, so she posted a consultation. We'll tell her the relevant information so she can get a good idea and decide whether or not to go into the role.
Once, I wrote a post about the summary of job search information in the public welfare industry, including channels for finding internship positions, etc. After the release, there were many forwards and collections on Douban. I've found that not only group members, but also ordinary people need this kind of information, and even people who have not been exposed to the industry will want to know. I discussed with 2 senior philanthropists in the group and decided to conduct an online conference on "career information sharing in the public welfare industry".
In December 2021, we held a sharing session at the Tencent conference, and more than 50 people came to listen to it, and the response was very good. There are many young people, although they have worked for some years, are still very confused, and after communicating with us, they also get some answers. After the sharing meeting, more sisters paid attention to the group and added in-depth exchanges. Just at the end of 2021, the group members exceeded 100, and I was quite happy.
The energy of the group members is also quite large. For example, there is a girl who is doing public welfare work on the hearing impaired in Chongqing, and during the floods in Zhengzhou, she made a help manual for the hearing impaired, which was very influential. At that time, when I forwarded the relevant information, I put her hearing impaired person's help guide in the second column, and many people realized after reading it that in fact, in the process of disaster relief, we should pay more attention to this vulnerable group. I hope that in the future the Panel will be able to exert such a relevant impact.
It's a new year, and I hope this group can create an atmosphere of mutual help for the sisters in the public welfare industry. In fact, the barriers of various institutions in the public welfare industry itself are also very high, such as the National Character Foundation, the Ordinary Foundation and the Grassroots Foundation, and everyone often does not understand each other. With the connection of small groups, if there is more communication between each other, it can also promote the more benign development of the industry.
The annual credit card spending report broke my guard
Mao Mao 丨 25 years old hit worker
At the end of the year, various apps have launched annual reports, but compared to entertainment apps, the annual consumption report of credit cards makes me the most "broken".
At 2 p.m. on December 31st, I received the annual consumption report of china merchants bank credit card. Before opening, I never expected that in 2021, the expenditure of WeChat and Alipay was not counted, and the expenditure of credit cards alone was 100,000 yuan.
In fact, the "advanced consumption" behavior of using credit cards is not a good habit. I mistakenly typed my credit card by mistake, and my friend sent me a link saying that she only needed 6 people to fill in the registration and she could get a Dyson hair dryer. I didn't have a credit card myself, so I got one and helped my friend get a new prize.
After opening a credit card, at first I did not dare to use it, and later, a financial professional friend told me that there is a "skill" in using a credit card, and daily consumption can be spent with a credit card first, so that cash can be kept for financial management, and then repaid next month, which is equivalent to "saving" more cash for a month to manage money. And with more credit cards, points can also be exchanged for a lot of things.
Slowly, I got into the habit of using credit cards for some of my daily purchases. The report shows that in 2021, I spend the most on clothing, food and travel. Indeed, after work, my biggest hobbies are shopping, eating and traveling, which is also my way to relieve stress.
"At 00:40 on March 24, 2021, the city has gone to sleep, and you have a taxi for 118.65 yuan." I clearly remember that this was my return from a business trip in Shanghai, taking the last flight, and taking a taxi home from Beijing Capital Airport in the middle of the night.
Although, some of the consumption details in the report have evoked many good memories for me. But after reading the report, my biggest feeling is that I actually spent a lot of money in 2021 that I shouldn't have spent, and the cash taken to financial management was not very good. In today's situation, saving resources and rational consumption is the right solution.
I have not yet seen the annual bills of Alipay and WeChat, presumably seeing these two bills, I will be more "defensive", after all, in 2021, there are also a lot of hands on Taobao.
In 2022, one of my expectations for myself is to consume rationally and buy less things that I don't need. After all, a large amount of grain can survive the winter.
My annual music report hides a "bond" song with my boyfriend
Shuangshuang丨 23 years old Graduate student
NetEase Cloud Music's annual report brushes the screen every year. One thing that particularly touched me in my report was that it reminded me that Waist Band's "I Love You" became the most niche song I've ever heard in 2021, appearing on my annual niche music summary page.
And it is this niche, constantly on the shelves, off the shelves and on the shelves of the music is my boyfriend and my boyfriend's "bonding" song, let me harvest sweet love.
I love to listen to music myself, and I am usually popular and classical, and the song "I Love You" is one of the songs on my list. But NetEase Cloud Music has a function called "Inle Dating", the interface will show the similarity between the other party and you, as well as the songs you have heard together, left and right, according to the similarity of music to match, recommend. And my boyfriend, who didn't know me at the time, brushed to the fact that I also liked to listen to the waist band's "I Love You", so he especially wanted to know me, so he added me as a NetEase cloud friend.
At the beginning, we just intermittently on the NetEase cloud, there was a ride through private message chat, sharing songs, chatting about daily life, perhaps my indifferent, uncaring attitude aroused his curiosity, suddenly one day, I received his love confession, he wanted to formally communicate with me as a boyfriend and girlfriend.
Figure / NetEase Cloud annual report of both
Source / Double Courtesy
Therefore, in October 2021, our two netizens officially met offline and "ran". The two of us belong to campus love, both studying in Guangzhou, my boyfriend is a doctoral student, and I am a master's student. The first time we met offline, we had a very good impression of both sides, he bought me a bouquet of flowers and took me to eat all kinds of delicious food.
After a period of testing, I found that his attitude was very serious, and I could feel his sincerity. For example, every time we met, he would bring me a bouquet of flowers, which was very ceremonial, and then began a formal relationship.
Actually, I don't believe in love. However, my boyfriend changed my original perception. His diary filled me and I was his first love. His diary wrote that his confession to me and his association with me was the bravest moment of his life, which made me very moved.
Now, we've been together for almost two months, we've been reading, studying, chatting together, and we've got a cat. Until now, boyfriends have been able to give me freshness every day, and we have endless words. I really didn't expect that a particularly niche song would make me harvest a two-way love.
*The inscription image is partially illustrated from Visual China. In the text, Xiaohua, Shuangshuang, Can, Time, Xinxin, Xiaomeng, Tianyi, and Xiao Ai are pseudonyms.
*Disclaimer: In no event shall the information herein or the opinions expressed herein constitute investment advice to any person.
Investment advice for anyone.