Why You Should Consider Layaway for Your Holiday Shopping

This is a sponsored post. I am a Kmart blogger, though all opinions are my own.

At one time, credit cards were relatively unknown and parents often put items on layaway for special celebrations such as birthdays and Christmas. Then along came the credit card and people found themselves a convenient way to shop without having to pay out of their pocket immediately.

However, this method of payment soon became too convenient; people overcharged on their credit cards and buried themselves deeper into debt. In today’s economy, it is hard to find employment that will pay enough to cover necessities and raise a family as well. Therefore, gifting throughout the year soon became rare or even non-existent.

Big box merchants have seen a decline in cash sales over the years. This is because more and more people found that the plastic card was rather a quick and convenient way to pay for something on the spot. However, these same people are finding it hard to meet the necessities because of the ease of use of credit card purchases, and their high interest rates.

Many big box retailers want to see an increase in cash sales, and after taking a good hard look at today’s economy have dealt with the problem directly. What they have done is reintroduced the layaway plan. The layaway plan offers shoppers a means to put something on layaway and pay for it by installments.

Families now can now shop at Kmart and put something away on their layaway plan. Most layaway plans last for 8 weeks so it is time to get your layaway plan started to let you pay for your presents over the weeks leading up to Christmas, rather than all at once. This will help keep your budget easy to plan for rather than a big month of expenses come December.

Layaway can help you plan and budget while spreading out your holiday expenses over a 2-3 month period. Plus, the presents won’t be stashed in your bedroom closet for all that time leading up to Christmas for your children to find their gifts!

Whether you have one or 100 items, you can Layaway almost everything on your list without paying a service fee through 11/23. 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.