Walmart has brought back it's layaway program. I remember when I was a young girl, that my Mom would use this program throughout the year to buy us clothes and gifts for Birthdays and Christmas. It was a way that a mother or four girls, whose husband was a Marine could budget!
Walmart has now brought this program back starting on September 16, 2012, just in time for the Christmas season. You can layaway more types of items in addition to last year's limit of toys and electronics. You do have to place $5.00 in the account to open it, but you will receive it back as a gift card when you redeem your items. Go here to read more about the details of the offer.
What are the advantages? Save on the products you want and if there is a particularly hot product that is a must have for someone on your list, you can buy it with the flexibility of paying it off over time. Instant credit without the penalties!
Ta ta for now...save money!