Layaway For Christmas, Or Any Day

Do you need to make a big purchase for Christmas this year? Does someone on your list want a big screen television, or maybe a digital camera? I know my girls are wanting new bicycles. All of these things cost a good bit of money. With Kmart's Layaway for the Holidays I can afford these things, because my payments will be spread out over a period of time. It's so much easier to squeeze a little bit of money out of the budget every couple of weeks instead of having to come up with a couple of hundred dollars at once. All I have to do is go pick out the bikes I think the girls will love and bring them to the layaway counter. They require a five dollar service fee and a ten dollar cancellation fee, or 10 percent of the total layaway amount (whichever is greater) at the time of layaway, and then the balance is paid over the next 8 weeks. They will break the balance down into affordable payments to be made every two weeks for the next two months. When I make the final payment, I bring the stuff home. It really is very easy. If you decide during the eight weeks that you can not make the payments, you can get a refund, minus the service and cancellation fees. If something happens and you can't get to the store during those eight weeks, you have a full year to get your refund. This is definitely the way to go if you don't want to put big purchases on your credit cards.