I usually do layaways and lot of stores are doing away with it like Walmart just stop doing it this time last year I was done because I did most of my kids who are 15 and 12 on Ebay and got a lot of great deals and didnt spend a lot of money either. The most money I spend on a gift was $78 and that was a game console so you just have to bargain shop and God will make a way for you.