You can’t deny it; the countdown is on to the holiday season! Although many of us don’t start shopping, decorating and celebrating until after Thanksgiving, there are a few holiday ‘musts’ that you need to start sooner rather than later (we’re talking before Halloween).
First, putting your big (or small) items on Layaway. Since most Layaway contracts are eight weeks long, this is the ideal time to shop now and pay over time. You don’t want your wallet to go into shock on November 29th, do you? Of course not. You want that day to focus on leftover pie.
Still need convincing? Here are a few ‘Layaway Lessons’ to keep in mind:
1.) The cat ate your Christmas tree. Okay, so perhaps you don’t have a cat, but last year’s Christmas tree was on its last limb and this is the year you need a new one. On the other hand, maybe you just got a cat and the days of having a real tree are over. Either way, and completely unrelated to cats, you need some new decorations. Pick up a pre-lit tree (because that’s OMG-easy), LED lights, wreaths and village houses now and pay them off in time for decking those halls!
2.) Your gift list has grown. Maybe you’ve made new friends at Bunko, adopted a family of Dickensian orphans, or you’re just feeling extra generous this year. Long gift lists call for Layaway. Fill that cart to the brim and roll it over to the Layaway counter. Your pals won’t know you paid their gifts off over time.
3.) Money is tight this year. It’s not just you; many of us are watching our spending. If you’re having trouble staying afloat while keeping those bills paid, Layaway is a must. Not only will you avoid ‘wallet shock,’ you’ll keep your pre-holiday peace of mind.
Whether you have one or 100 items, you can Layaway almost everything on your list without paying a service fee through November 23rd. Plus, you can pay in store, online or using a mobile phone. Eight or 12 weeks later (depending on your contract) pick up your items and you’re good to go! Bonus: After you figure out how easy it is, you can Layaway all year round at Kmart.