LayAway Is Back

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.



  1. I'm glad to hear that layaway is back as it is a viable option for some people. I always recall though putting down 1/3 the price of a coat I really like, and the store closed with my deposit, never notified me and of course never returned it. I didn't get the coat and lost my money. 


  2. Growing up my mom/grandma/aunt ALWAYS used Layaway at Kmart (lol my mom worked at Kmart so it was better for her to do the layaway then always buy what she saw for us) and when I started using it once I found out I was pregnant in 2004. Layaway is just a great tool I think.

    We used it last fall for my niece and son's birthday presents (their b-days are a week apart) and it saved us big time. I plan on using Layaway again after we get our taxes back for new DSLR and ipod since I know it will be easier to afford them better this way.

  3. I missed layaways, loved them especially during holiday time!

  4. Layaway is great. I was sad when it went away. My moms used to use it when I was little

  5. I used to use layaway back in the day … and then of course – they got rid of it!LOL Guess they needed people in debt!LOL

    …I love QVC and HSN's deferred payment plans…and use them every chance I get.

  6. I used to use layaway all the time.
    And I do use Walmart site to store now and love it

  7. I love shopping in my pj's too girl!  Although I've never personally used layaway, I think this is a great way for many people to eliminate future CC debt 😉

  8. we used kmart layaway program for a few of the house items we wanted but were to expensive at the time.