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The Holidays are Coming! Time to Start Thinking about Layaway

LongIsland.com

It may be early, but if you start putting holiday gifts on layaway now you will be sure to save time and money.

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Yes, it’s only September and we are already talking about the holidays. But when it comes to budgeting out your money yourself you can never be too prepared.
 
For anyone living on a budget, the holidays can really break the bank if you wait until the last minute to do your shopping. That’s why layaway is a great option. It gives you the chance to pay off your gifts in the months and weeks before the time comes to actually give them, and you won’t have to worry about maxing out your credit card come late December.
 
Layaway usually starts in September, and it is available at just about every major store. You will most likely have to pay a deposit up front, and make your payments either on a weekly or monthly basis. There are no interest fees, however you may have to pay a fine if you miss a payment or cancel the layaway plan.
 
There are some stores that offer layaway online as well. Check out the websites for these major chains for more information on their layaway plans.
 
KMart
Offers online or in-store layaway with $10 down. Must pay for your layaway items in four to six equal payments. Members get 5% off layaway toys, home and sporting goods orders.
 
Walmart
Available 9/12 - 12/15. Down payment is either $10 or 10% of the total price. There is no opening fee, and layaway is only available in-store. Total purchase price must be $50 or more, and each item must be $15 or more.
 
Sears
There is no money down and no down payment for Sears’ layaway plan. You must make four to six equal, biweekly payments. Cancellation fees apply, and layaway is available in-store as well as online.
 
Toys R Us
Offers free layaway for online and in-store purchases. Payments can be made either online or at a register. There is a 10% deposit, and items can either be shipped or picked up at the store.
 
Burlington
Requires a 20% deposit, and layaway items must be picked out in-store. There is a $5 fee, however Burlington is currently offering a $5 bonus card if final payment is made by December 24.