Use Layaway to buy gifts!

Periodic payments on an item instead of paying all at once

Advantages:

  1. Pay as you make money!
  2. Get a gift before it sells out, even if you cannot fully pay for it at the time!

Disadvantages

  1. Credit Card payments are generally easier
  2. You could end up paying more due to interest
  3. Go back to the store multiple times for payments