4 TIPS UNTUK ELAK DARI MASALAH KEWANGAN Tips ini sangat sesuai untuk memastikan kewangan kita akan datang, dapat terurus dengan baik terutamanya untuk anak muda! 1. Ketepikan 10-15% dari gaji bulanan sebagai simpanan tetap setiap bulan. Ingat, jika gagal ketepikan peratusan ini sebagai simpanan tetap setiap bulan, dekat sinilah akan mulanya titik masalah kewangan di kemudian hari. Jadi, berhenti bagi alasan untuk …

Channel
Bijak Kewangan by Faizal
@bijakkewanganbyfaizal
On this record: Topic · Growth · Engagement · What this channel posts · Posts · Telegram's recommendations · Cite this entry
7,001subscribers
-96 since we began measuring on 19 August 2026
Risers and fallers across the register · movement among entries of 3,162–10,000.
Register entry
| Telegram ID | -1001263700708 |
|---|---|
| Type | Channel |
| Username | @bijakkewanganbyfaizal |
| Created | Between 1 March 2018 and 31 August 2021 — estimated from Telegram’s id allocation, not measured. How this range is calculated. |
| First recorded | 19 August 2026 |
| Last confirmed live | 27 September 2026 |
| Measurements held | 11 |
| Confirmed unchanged | 1 time, most recently 27 September 2026 |
| On Telegram | t.me/bijakkewanganbyfaizal |
Topic
Health & wellness — a classification, not a measurement. An on-box language model (Qwen3.6-35B-A3B-FP8, prompt version 1) read this channel’s own recent posts on 12 September 2026 and assigned it the closest of 31 fixed categories, at 85% confidence. This is a model’s judgement about what the channel is likely to be about, not a fact this register measured the way a subscriber count or a view count is measured — it can be revised on a later pass, and it carries no weight anywhere else on this page. How this classification works, and why it has no browse page of its own yet.
Growth
| Measured (UTC) | Subscribers | Change |
|---|---|---|
| 27 Sept 2026, 18:56 | 7,001 | -24 |
| 18 Sept 2026, 12:36 | 7,025 | -22 |
| 13 Sept 2026, 21:57 | 7,047 | -6 |
| 10 Sept 2026, 10:21 | 7,053 | -2 |
| 5 Sept 2026, 08:36 | 7,055 | -5 |
| 1 Sept 2026, 11:12 | 7,060 | -5 |
| 29 Aug 2026, 15:47 | 7,065 | -13 |
| 26 Aug 2026, 15:27 | 7,078 | -8 |
| 23 Aug 2026, 07:47 | 7,086 | -7 |
| 20 Aug 2026, 03:02 | 7,093 | -4 |
| 19 Aug 2026, 03:45 | 7,097 | first reading |
Engagement
22 posts held, back to 6 July 2026 — the reader has not yet reached the start of this channel’s public history, so older posts may sit further back, unread. Read across 3 pages of Telegram’s post history, 20 posts per page.
Nothing published in the last 30 days. ERR and ER are rolling 30-day measures, so there is nothing to compute — we hold 22 posts for this entry, the most recent from 19 August 2026. An engagement rate over an empty window would be a number about nothing.
What this channel posts
- Video runtime
- 12m 22s
- Average length
- 2m 04s
Measured directly from 6 videos with a duration reading, out of the posts we hold for this channel — not this channel’s whole posting history, only the sample this register has actually read. An exact reading to the second, taken from the post itself rather than from Telegram’s own rounded chrome, so it carries no ≈ mark.
Recent posts
Photo, posted without a caption
Kumpul simpanan RM70,000 untuk persiapan beli rumah 🏡 atau duit kahwin🤵🏻♂👰🏼♀ dalam masa 5 tahun. Jom mulakan simpanan melalui ASB financing ✅ www.wasap.my/+60107666074 Jom join telegram info kewangan ✅ t.me/bijakkewanganbyfaizal
ASB2 Financing dah nak habis!!! Promo bermula 4.05% masih available!! ✔️www.wasap.my/+60107666074/nakapplyASB2
🔥 BERITA BAIK UNTUK ANDA! 🔥 PROMO ASB/ASB2 FINANCING TERENDAH – BERMULA DARI 4.05% SAHAJA! ✅ Kadar & ansuran ASB/ASB2 financing paling rendah di pasaran! 💰 ASB/ASB2 financing RM100,000 hanya dari RM421 sebulan 💡 Masa terbaik untuk: Mula bina simpanan melalui ASB/ASB2 Anda juga boleh refinance semula ASBF sedia ada dengan kadar lebih jimat ini!! 📲 Berminat.?? 👉 www.wasap.my/+60107666074
LELAKI: RM350 PEREMPUAN: RM350 Simpan 3 tahun melalui ASB Financing, terus boleh kumpul RM32,000! 💍 Nak ke tak nak je… Sampai bila nak kehulu kehilir tanpa hala tuju 😅 Daripada tiap minggu keluar dating, baik simpan RM350 sebulan sorang. #roadtohalal #simpandululah 💰 Pelan Simpanan ASBF RM80,000 Bayaran bermula dari RM337 sebulan Boleh terminate lepas 3 tahun. Anggaran hasil selepas 3 tahun: ✅ Dividen terkumpul (…
#TabungRumah GAJI & RUMAH KITA Semalam banker Maybank saya bercerita, ada pembeli dengan gaji RM1600 nak beli rumah harga RM245,000. Dia berkenan sangat nak rumah tu juga. Macam macam cara dia usahakan untuk dapat beli rumah tersebut, mintak kakak sedara sebagai penama kedua dan sebagainya. saya hanya dengar sahaja. Jika harga kediaman RM245,000, ansuran bulanan kita sekitar RM1,200 sebulan. Gaji hanya berbaki …
SCAM pinjaman peribadi. Ramai dah kena tapi masih ramai yang masih tak alert dan berterusan jadi mangsa SCAM. jom mulakan simpanan melalui ASB financing ✅ www.wasap.my/+60107666074 jom join telegram info kewangan ✅ t.me/bijakkewanganbyfaizal
ASB2 Financing dah nak habis!!! Promo bermula 4.05% masih available!! ✔️www.wasap.my/+60107666074/nakapplyASB2
🔥 BERITA BAIK UNTUK ANDA! 🔥 PROMO ASB/ASB2 FINANCING TERENDAH – BERMULA DARI 4.05% SAHAJA! ✅ Kadar & ansuran ASB/ASB2 financing paling rendah di pasaran! 💰 ASB/ASB2 financing RM100,000 hanya dari RM421 sebulan 💡 Masa terbaik untuk: Mula bina simpanan melalui ASB/ASB2 Anda juga boleh refinance semula ASBF sedia ada dengan kadar lebih jimat ini!! 📲 Berminat.?? 👉 www.wasap.my/+60107666074
Tips kewangan yang paling susah orang nak ikut 😅 Ramai sebenarnya dah terbeli kereta overprice tanpa sedar. 🔹 Formula beli kereta: Harga kereta tak sepatutnya melebihi gaji setahun kita. Atau, Bayaran bulanan kereta hanya sekitar 12%–15% sahaja daripada gaji bulanan, bukan lebih dari tu. 💡 Kenapa penting ikut formula ni? Sebab baki gaji kita setiap bulan perlu juga dibahagikan untuk keperluan lain seperti: 🏠 B…
Apa Itu CREDIT SCORING? ➖➖➖➖➖➖➖➖➖➖ Ramai orang ingat kalau tak pernah lewat bayar ansuran, confirm semua permohonan financing atau loan akan lulus. Hakikatnya, belum tentu. Salah satu faktor yang sangat penting tetapi ramai tak sedar ialah Credit Scoring. Credit Scoring ialah sistem penilaian yang digunakan oleh bank untuk mengukur tahap risiko seseorang pemohon berdasarkan profil kewangan mereka. Secara ringkasn…
Showing the 12 most recent of 22 posts we hold for @bijakkewanganbyfaizal. View and reaction counts are the latest single reading for each post, not a live figure, and a recent post is still accumulating both. A view count marked ≈ was rounded by Telegram before we ever saw it — t.me prints views in full below 1,000 and to three significant figures above, so ≈1,200,000 means somewhere between 1,150,000 and 1,249,999. Unmarked counts are exact. Text is reproduced from the public post preview and truncated for length.
Appears in Telegram’s recommendations for other channels
The reverse of the list above, and a different kind of signal. This does not require this channel to have ever been asked about directly — each row below is a channel we DID ask Telegram about, whose Telegram-generated list happened to include this one. A channel can appear here with an empty list above it, because being named by someone else’s query is independent of having been queried itself.
@NotaAzizulAzli · 77,989
Telegram ranks this channel #17 of 75 here — alongside 74 others — read 19 August 2026
This channel appears in 1 seed channel's Telegram-generated recommendation list in total. Each is Telegram’s list for THAT channel, not this one — see how this is measured.
Cite this entry
A live page changes as we take new readings, so a citation should name the measurement it is based on, not just the URL. The line below cites the subscriber count as measured 27 September 2026 — this entry's latest reading, not the date you are reading this.
“Bijak Kewangan by Faizal” (@bijakkewanganbyfaizal), 7,001 subscribers as measured 27 September 2026. Telegram Register, tgregister.com/channel/bijakkewanganbyfaizal.
Full measurement history, CC BY 4.0. Every reading this register holds for this entry, not just the latest one, as a dated, downloadable record: CSV · JSON. Free to use with attribution to tgregister.com. Each file carries its own generation timestamp, which is the figure to cite for exactly when the data was retrieved.