Are you familiar with layaway? I was not until my husband told me years ago this was a form of payment accepted at some stores. The concept is that you pick an item, bring it to the cashier and tell him/her that you want purchase the item using layaway. You will need to pay a downpayment or deposit for it. And whenever you have extra money you can slowly pay this item off and then you can take the item home.

For this Christmas season, certain stores are offering the use of layaway. Sears is one of them. With this way if you saw something you want for yourself or give to others as gifts while shopping but don’t have enough money to buy them, use the Sears Layaway option. Put down a down payment of $15 or 20% of the price (whichever is higher) and reserve your items. Come back later when you receive your pay check, make the necessary payment and take the items home.

I should start putting together a Christmas list soon. I have yet to finalize what I want to give to my friends and family. For myself, I might want to get a pair of diamond earrings.  I always wanted a new pair of diamond earrings since I accidentally lost the pair I had.   I saw a very nice Covington Leather James Dean Jacket at the Sears website which I think I am going to put that on my Christmas list for my husband.  He needs a new jacket for this winter season.  And for my son, a helicopter toy just because he is a helicopter fan. All these items will have to be in the layaway as I have to wait for my real estate listing to close before I can pay them off.