Shop for Christmas with Target Layaway?

Answer 1

Shopping on layaway has been a great way to save up for Christmas purchases slowly, while making sure you get the specific items you want each year. Layaway works by allowing you to day a deposit on an item, and then paying installments until you reach the full purchase price. You can't bring your home purchase until it is entirely paid for, but it will be stored in a back room and saved specifically for you. Here are some tips for using Target layaway this holiday season: Be Realistic With Expenses: If you can't afford something straight away, consider if you can realistically pay the following installments. If you overextend yourself with a extravagant payment plan, you might be disappointed when you aren't able to get the gift or purchase by Christmas. By then, the store will have most of your money, but you won't have the item. Pay Quickly: Stores like Target often ask that you pay your layaway installments in person, at the store itself, or even just online at the store's website. This is often a way that people get distracted and begin to spend even more money. Keep focused and walk into the store, pay for your items and leave. Only consider extra shopping once your major purchase is successfully paid off in it's entirety. Read the Fine Print: Read any contracts for layaway carefully before you sign them, and always keep the paperwork until the entire process is complete. Make sure you understand when payments are expected, if there are nay late fees and what happens if the item you begin to purchase on layaway goes on sale at the store. At the end of the day, layaway can be a great way to buy specific items that the store may sell out of, such as popular electronics or clothing items. However, whenever possible it is best to pay up front for the purchase, or simply wait until you have the money. Not only will you save the layaway down payment, but you will also save yourself a significant amount of time and hassle.