Layaway Plans for Smart Shoppers

Answer 1

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.