After a busy autumn filled with events – Halloween, the start of discount campaigns, and early holiday preparations – comes one of the most dynamic months of the year.
November brings a wave of offers and promotions, from major Black Friday sales to seasonal discounts everywhere you look. At the same time, thoughts naturally turn to holiday gifts, festive meals, and winter vacation plans. 

For many people, this can be a challenging period financially. Still, with a bit of organization, it can also be the perfect opportunity to take advantage of good deals and prepare ahead – without stress and without unplanned expenses. 

November – the month that gives you a head start for the holidays 

If in the past Black Friday lasted only one day, today it has turned into an entire month of offers.
Many stores launch discounts from the very beginning of November, which can be a real advantage for anyone who wants to stay one step ahead. 

You can use this period to shop early for: 

• holiday gifts at better prices; 

• items you already needed, like home appliances, phones, or winter clothes; 

• home essentials or small treats, without the pressure of buying everything in December. 

It’s a simple strategy: buy early, pay less, and enjoy the holidays without last-minute stress. 

How to enjoy discounts without falling into the trap 

When everything around you screams “sale!”, it’s easy to get carried away. But true savings come from thoughtful choices, not impulsive ones. 

Here are a few practical tips to make the most of the discount season: 

• Do your research. Check product prices before Black Friday so you’ll know if the discount is real. 

• Set priorities. Make a clear list: what you need, what you want, and what can wait. 

• Stick to a total budget. Even with tempting offers, a clear limit helps you stay in control. 

• Think long term. Use this period to buy holiday gifts or useful winter items, not just short-term deals. 

How SelfPay helps you stay ready anytime 

When the right offer appears, every minute matters. With SelfPay, you can access your money instantly, without depending on banking hours. 

• Deposit cash instantly to any card at one of over 12,000 SelfPay Payment Stations across the country, using the SelfPay Now app – perfect when you want to order online or grab a limited-time deal. 

• Transfer money between your own cards, with SelfPay Now, instantly and for free, to better organize your seasonal expenses – for example, keeping your shopping funds separate from your bills or savings. 

• Send money instantly to loved ones, directly from the app, when you’re sharing the cost of a gift or want to help someone catch a good offer. 

How to deposit cash to your card: 

1. Go to the nearest SelfPay Payment Station. 

1. Select SelfPay Now – “Instant cash top-ups”. 

1. Open the SelfPay Now app and choose “Deposit”. 

1. Select the card you want to fund and scan the QR code on the screen. 

1. Insert the cash into the machine. 

1. The money appears instantly on your card – regardless of the bank. 

Fast, simple, and always within reach. 

Stay one step ahead of December 

November is the perfect time to give yourself something that’s often missing in December: time.
Time to choose, to shop smarter, and to stay organized without rushing. 

Those who prepare early don’t just save money – they also enjoy calmer, better-planned holidays.
Whether it’s holiday gifts, household shopping, or small seasonal pleasures, a bit of foresight makes all the difference. 

And when you have tools that make money management easier – like SelfPay – you can focus on what truly matters: the joy of giving and the peace of mind that comes with a well-planned end of year.