Kelly and Tyler
Cant afford it now? Put it on layaway!
Layaway offers few upsides if you can use a credit card instead. Rather than paying layaway fees and making several trips to the store to make installment payments, you might as well periodically stash money under your mattress and purchase the item when you have enough. An exception might be using layaway for a gift item that might sell out before you have the cash to buy it.
Don't have the money?
Stores can put the item you want on layaway and they will hold it for you until you can pay
Pros of layaway
You can reserve the item without paying the full price upfront.
Cons of layaway
You don't get the item until you fully pay it off.