* Layaway explained

When I started offering Layaways, I had NO idea that many people never heard of nor know what Layaway is! When I was young & my grown children were little, Layaway for school, birthdays, and Christmas was THE way. There were no credit cards. Anything else you needed you had to PAY CASH for! (lol) Oh & the little corner grocery store MIGHT let you have a few things 'on credit' to be paid for on payday..... I have found a lot people now are not old enough to have expierenced such a thing & are new to the layaway concept.

Some "merchants charge a fee for the service, though not called "interest". I also have seen where there's a fee plus your payment is taken directly from your bank account each month! That is NOT like the 'layaways' I ever knew about. Sounds very safe for the merchant, but it's still not what I call layaway.... Make sure you understand the type of layaway you are going to make. "The layaway I offer is for the benefit of my customers. Make a non-refundable 'good faith' downpayment, item is held for 90 days, make payments- or not- as long as it is paid in full at the end of 90 days, or before, with free shipping provided. Period. THAT'S 'layaway'.