I dont use layaway for BF but I use it through out the year. Its great for buying things like a winter coat in august. You dont need the coat til oct and can buy it when they have it in stock (unlike oct when they have nothing winter in stock, its all sold) but dont have to find a place in your home for it until you need it. I have bought my kids toys on layaway every year for xmas as if I wait til nov most of the things they want arent on the shelves anymore. Its not a question of affording the toys, its a question of availiability of them if I wait til november. And then the question of how do I hide them in a small 2 bedroom condo for months. Lay away is a great place to "hide" the toys til xmas...
Wal mart is cutting off thier nose to spite thier face... they will learn the error of their ways when either their sales drop or everyone defaults on thier cc...
