Siyakha Consulting

09/11/2026

The Reserve Bank raised the repo rate by 25 basis points to 7.25%, effective 25 September 2026. It also said headline inflation will likely be above 5% later this year and early next year.

A national rate announcement is not your personal repayment figure. With variable-rate credit, your repayment may change; with fixed-rate credit, check the terms of your agreement. Use your latest statement to budget in rand rather than guessing what the headline means for your account.

This week, gather your latest statements and note three things for every account: the balance, the monthly repayment and whether the rate is fixed or variable.

The Reserve Bank's statement is here: https://www.resbank.co.za/en/home/publications/publication-detail-pages/statements/monetary-policy-statements/2026/september

09/11/2026

Siyakha Consulting is hiring a Project Analyst to join our Mpumalanga Project team.

We are looking for an organised and detail-oriented individual with experience in project administration, coordination or operational support.

The successful candidate will play an important role in supporting project delivery through coordinating activities, maintaining project records, engaging with participants and stakeholders, assisting with reporting and ensuring that project tasks stay on track.

If you have strong administrative, communication and organisational skills, proficiency in Microsoft Office and a valid driver's licence, we encourage you to apply.

To apply, email your CV to [email protected] using Project Analyst – Mpumalanga as the subject line.

Closing date: 13 November 2026.

Please share this opportunity with your network.

06/11/2026

January is not just one bill. It is school uniforms, stationery, registration, taxi fares, and full grocery shops arriving all at once. Give each one a line in your budget now.

If you put school supplies on lay-by earlier in the year, check your final payment dates. If your school has not sent the new list yet, budget based on last year's costs plus a small cushion, and ask local community groups or family about uniform exchanges.

Put a rand amount next to every item and protect that money before deciding what to spend in December.

06/11/2026

Siyakha is hiring a Graphic Designer in Richards Bay and surrounding areas!

Are you a creative professional with an eye for visual identity and brand development?

The role involves developing professional brand identity packs for SMMEs, including logos, stationery, social media branding and brand guides based on project briefs.

This is a hybrid opportunity, primarily virtual, with occasional face-to-face engagements with SMMEs and the Project Team.

Submit your CV and portfolio to:

[email protected]
[email protected]

Closing date: 13 November 2026.

04/11/2026

A festive wish list is not a spending plan. Start with what will actually reach your account—and when.

Use take-home pay for November, December and January, not gross pay. Count a bonus or Stokvel payout only once it has been paid or confirmed. If a Stokvel payout is coming, decide now which portion belongs to January and lock it away before December spending begins.

Then subtract the essentials: housing, food, transport, utilities and debt repayments. Next, reserve the extra January costs and check which bills fall due before your next pay date.

We know that travelling home and hosting family come with real expectations. Planning early helps you meet them without the January regret. Knowing your limit now gives you a plan to shop against, not a bill to explain later.

Which regular cost do you most often forget when planning?
Tell us in the comments.

03/11/2026

December spending can leave January feeling a lot longer than it should.

Before spending on festive plans, gifts or Black Friday deals, take a moment to consider what your money will need to cover in January.

Rent, groceries, transport, school supplies and debt repayments do not disappear when the festive season ends.

Here are five steps to help protect your January budget:

1. List your expected January expenses and put a rand amount next to each one.
2. Set aside money for essential bills before planning festive spending.
3. Compare Black Friday prices before deciding whether an offer is a genuine saving.
4. Check your existing debt repayments before taking on additional credit.
5. Set a realistic festive spending limit based on the money you actually have.

You do not have to give up enjoying December. You need a spending plan that does not leave January carrying the cost.

Read our latest article for practical steps to help you plan ahead:

https://siyakha.co.za/content-hub/social-impact/how-to-protect-your-january-pocket-before-the-december-festive-spending-starts/?utm_source=facebook&utm_medium=organic&utm_campaign=november_2026_b2c_january_budget

Avoid a January cash crunch by securing your back-to-school and festive budget early. Simple steps to manage Black Friday sales, debt, and holiday costs in South Africa.

03/11/2026

Are you a Johannesburg-based IT or cyber security business?

Performanta Academy, in partnership with Siyakha, is inviting businesses and organisations to host unemployed learners enrolled in the Cyber Security Analyst (NQF Level 5) learnership, starting in January 2027.

By hosting a learner, your organisation can help develop future cyber security professionals by providing practical workplace experience, mentorship and opportunities to apply their training.

There is no financial obligation for host sites, as learners are fully funded through a stipend.

Host site requirements include:
- A suitable mentor, supervisor or manager.
- Meaningful workplace learning opportunities.
- Support and guidance throughout the placement.
- Bi-monthly learner progress questionnaires.
- Workplace approval through MICT SETA.

Workplace experience periods:
11 January – 19 February 2027
26 April – 28 May 2027
5 September – 14 October 2027

Interested in hosting a learner?

Email: [email protected]

Subject line: Cyber Security Host Site Application Enquiry

Closing date: 27 November 2026.

Help create opportunities for learners to gain practical experience and prepare for careers in cyber security.

02/11/2026

Your January money might already be in your account, or coming in through your end-of-year Stokvel payout.

Before December plans claim it, give it a job.

Prices are still rising, from groceries to taxi fares and fuel. That is why planning before festive spending starts is so important.

This month we will share one practical step each week: setting a festive budget, handling debt, managing Stokvel payouts, and planning for school costs.

Start today by writing down your next pay date or Stokvel payout, and list every bill that must be paid before January ends.

Follow Siyakha Consulting for the full series.

30/10/2026

Hayibo, you do not need to fix everything at once. You need to know what to fix first.

Compliance, financial records, cash flow, evidence of demand and the funding request are connected, but one gap will usually create the greatest risk for your next opportunity.

Use the free yowza!© assessment as a starting point. Answer for the business as it operates today, not as you hope it will operate next year. Then choose one result to act on before the end of November.

The assessment does not guarantee funding. It helps you prioritise the preparation that comes before an application.

Try it here: https://yowza.co.za/smme-solutions

29/10/2026

Money habits start early.

The Ithute Programme helps learners in Grades 8 to 11 build practical financial literacy skills, from saving and budgeting to responsible borrowing and spotting scams.

Discover how financial education can help young people make more informed decisions.