Are you familiar with the layaway plan? It's where you place items on hold in a store and you make payments until you get the merchandise paid for. It used to be popular in the 70's and 80's, but faded out when credit cards became the thing. With the economy the way it is, it looks like layaway is back and the way to go. I remember using the lay away plan at Kmart and this local department store called Nichols back in the day. I used the layaway plan for summer and winter cloths and Christmas items for my daughter. I paid a fee to the store, and than made weekly payments of $10 - $15. I look back now and my response is wow. Of course back than, my entire layaway was the cost of a pair of sneakers now. I don't think $10 - $15 would put a dent in what things cost today, but I think it's a great plan when you're short on cash and you don't want or have a credit card to use.
Toy R Us, Kmart, Sears, TJ Max, Burlington, and Marshall's are big promoters of layaway. It's a great way to ensure that you get what you want and you don't have to go in debt to pay for it. E-layaway is becoming popular with Kmart and Sears too. Although Wal-Mart eliminated their layway plan, I love shopping at Wal-Mart on-line. They take Paypal, which works out perfectly for me. I'm able to use funds from my on-line business when I shop there. Wal-Mart also has free site to store shipping and low shipping cost to your home. I love shopping in my PJs, so I take advantage of shopping on-line. If I could figure out a way to have my groceries delivered, I would take advantage of that too.
If you are like many people whose funds are limited, but you can make weekly payments, you should check out these layaway programs. It's a great way to release the stress of trying to figure out how you're going to pay for a birthday gift, school cloths and Christmas gifts. If you would love to redo your bathroom or bedroom, but can't afford to take the money out of the household budget. Put that comforter set or shower curtain and towels on layaway too. You'll be glad you did.