Layaway...

Happy Friday all!
As you all know, we've been chatting about the 'old time' practice of layaway vs. credit cards. 20-somethings, this is where you go to the store, pick out your purchases and go to the 'layaway' desk and make a 'down payment' on your purchases, then go back weekly or monthly and pay them off, without interest. There is, sometimes, a layaway fee but, otherwise, once you pick them up you OWN them...outright! WOOHOO.
K*art is all about the layaway and I hear S*ars is too. (I believe they are now one and the same Company) TJ Max* has always done layaway I'm told and I'm sure other retailers are jumping on this bandwagon.
I've also found a website called elayaway.com where you can shop online retailers that allow you to do this online (no real 'popular' ones but a ton of choices!) with a checking account.
As we've said 'forever', personal responsibility is so important and if we all take the 'PR' to pay down our debt and not create more, our own lives will be better and, in turn, our world will be better.
So, let's all try *not* to charge this holiday season. And, just think...you won't be staring down that mailbox with the huge CC bills in January! (And maybe, instead, you can treat yourself to a spa day-paid for in cash!)
See you in class this weekend!