Comments on: Layaway Has Returned http://www.countingmypennies.com/2008/10/24/layaway-has-returned/ Thu, 09 Feb 2012 06:02:48 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: jennydecki http://www.countingmypennies.com/2008/10/24/layaway-has-returned/comment-page-1/#comment-805 jennydecki Mon, 27 Oct 2008 21:13:58 +0000 http://www.countingmypennies.com/?p=646#comment-805 I want to open a smartypig account so badly for next year's holiday purchases. That way it's separate from my savings account and emergency account. We have done the 5-pay or 4-pay plans with HSN for computers in the past (no credit needed, but you still make payments) but you get the item up front instead of at the end of the payments. But there's no interest or fees, so that's nice. I remember Layaway back in the day when I was a kid and man...it was a mess back in that department. Clothing and stuff everywhere - I was amazed that anything was in decent condition when we got it at the end of the payments my mom made. It's good in theory, but it's only as good as the people behind the counter, and that always worries me a little, because Kmart and Target and even Macy's aren't known for employee satisfaction. I want to open a smartypig account so badly for next year’s holiday purchases. That way it’s separate from my savings account and emergency account.

We have done the 5-pay or 4-pay plans with HSN for computers in the past (no credit needed, but you still make payments) but you get the item up front instead of at the end of the payments. But there’s no interest or fees, so that’s nice.

I remember Layaway back in the day when I was a kid and man…it was a mess back in that department. Clothing and stuff everywhere – I was amazed that anything was in decent condition when we got it at the end of the payments my mom made.

It’s good in theory, but it’s only as good as the people behind the counter, and that always worries me a little, because Kmart and Target and even Macy’s aren’t known for employee satisfaction.

]]> By: Frugalchick http://www.countingmypennies.com/2008/10/24/layaway-has-returned/comment-page-1/#comment-803 Frugalchick Mon, 27 Oct 2008 18:07:23 +0000 http://www.countingmypennies.com/?p=646#comment-803 I'm not really into buying stuff in layaway but I like your idea of putting your savings on a layaway plan: putting a little every month until you reach your savings goal or pay off a loan or a credit card. It's similar to the concept of snowflaking but I think most people are more familiar to the term layaway vs snowflaking. I’m not really into buying stuff in layaway but I like your idea of putting your savings on a layaway plan: putting a little every month until you reach your savings goal or pay off a loan or a credit card. It’s similar to the concept of snowflaking but I think most people are more familiar to the term layaway vs snowflaking.

]]> By: Julie http://www.countingmypennies.com/2008/10/24/layaway-has-returned/comment-page-1/#comment-797 Julie Fri, 24 Oct 2008 11:26:27 +0000 http://www.countingmypennies.com/?p=646#comment-797 With the economy being the way it is, it will be interesting to see if other retailers decide to bring the lay-away option back. I believe Wal-Mart did away with it a couple of years ago. With the economy being the way it is, it will be interesting to see if other retailers decide to bring the lay-away option back. I believe Wal-Mart did away with it a couple of years ago.

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