One store in Lexington, Kentucky that has a layaway plan is Kmart.

One of the cheapest and easiest ways to purchase kids clothing is by putting it on layaway. Retail stores that offer layaway have payment plans for every budget. You can layaway as much as you want as long as you can make the payments on the due date. Payments are spread out over eight to 12 weeks. The length of time is set by the individual store. Stock up on good deals for kids clothes when the season starts so you won�t have to shop at different stores completing your child�s wardrobe.

In these tough economic times, shoppers have to search for bargains. Shopping around to find the best buy for the money is imperative. Why pay more at one store when the same brand is being offered elsewhere? Smart buys are the better buy, although a shortage of cash can put a damper to the sale prices if the sale falls in between paydays.

Locating the best sales in town is one step to shopping smarter. Finding deals on items you intend on purchasing anyway can still be bought at the sale price, even though you don't have the cash. Layaway stores such as Wal-Mart, TJ Maxx, Marshall's and K-Mart help consumers fight higher costs through the layaway payment plans.

People who remain on a budget tend to love the layaway stores. The tendency to overspend is not such a temptation when layaway plans are available.

The smarter way to buy is to use the layaway plan stores offer, when the purchase cannot be paid for in one swoop. Stores traditionally charge a fee, usually around five dollars, for the layaway option. The fee is worth every penny if sale prices are of value, if you have plenty of items and if you do not have the cash. Keeping new charges off of the credit card is of the utmost importance if money is tight and there is a budget in place.

The layaway stores help parents hide gifts from children during the holidays as well. While the stores do not charge for layaway purchases, products are not released to the customer until they are all paid for. If consumers cannot complete the plan, retailers will normally give shoppers their money back that has already been paid to layaway and will close the account.

Sales prices still hold during a layaway process. If the sale price exists when the item is purchased and placed on layaway, that is the price it is rang up at when paying off the layaway and picking up the items. This makes shopping sales the smartest way to shop in terms of saving the most money.

Wal-Mart is once again offering layaway for customers. They have not offered layaway for many years, and this year it has returned. It is available for select toys and electronics at the Wal-Mart store. Layaway allows customers to shop for items that they would like to purchase and put them back at the Wal-Mart store while they make payments. Some customers will make payments weekly or monthly until the item is paid in full. This is a great way to ensure that the item is available for you once you have enough money to pay the entire purchase price. It is a great way to buy items for the holidays without the need to use a credit card and charge the item. The Wal-Mart layaway has a few guidelines for customers. They require that you pay at least 10% of the total amount the day that you put back the layaway. The items must be picked up and paid in full by December 16. Customers must follow these guidelines in order to take advantage of the layaway program at Wal-Mart. When checking out at any register while items are on layaway, payments can be made at that time. This saves customers from having to wait in additional lines in different places of the store to make a payment. Almost all retail stores used to offer layaway in the past, but stopped offering it in recent years. Customers are thrilled that Wal-Mart along with several other retail stores announced in October that they were once again offering layaway. Many love the chance to purchase gifts and pay them off before Christmas. This keeps them working hard toward paying for their purchases and not going into credit card debt while doing so. Anyone who is shopping during the holiday season should look at the eligible items for layaway that Wal-Mart has to offer. It will allow some shopping freedom for many doing their Christmas shopping.

Does you guys do extensions on layaway?