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.