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Layaway Programs Make Easier Holiday Planning

By Shameka Neely

Posted October 18, 2011

Hard economic times aren't making it easier for people to prepare for the holidays. Monday marked the first day of a savings program to help families prepare for the holidays without getting into debt.

The economic recession has hit families hard and some big-box stores like Wal-Mart are trying to make it easier by offering a layaway program. Most stores offering layaway allow customers to pay a $5 service charge and 10 percent down to get the items they purchase, such as electronics and toys.

Customer Brandt Miller says it was easy. "It's cheaper to do it this way and maybe have more money at the end."

Many stores ended their layaway programs years ago. But hard economic times have prompted some retailers to bring them back.

Customer Robin Henry was not aware of the new layaway program, but with a set of toddler twins, she can see the benefit. However, she says such programs could make people spend more.

"It's a slippery slope people need to be careful of debt. I just don't like debt and that's why I wouldn't naturally want to use the program because I think you can get in too deep," Henry says.

The program will end on December 16.

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Layaway Programs Make Easier Holiday Planning

By Shameka Neely

Posted October 18, 2011

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