Repeating what achesley said, I know at the K-Mart I work for, if you know you're going to be late on a payment, call a couple days in advance. If you call, we write your name down on a list with the day you'll be able to pay by. I don't know how often they do the $1.00 layaway, but whenever they do, its in the ad, so keep an eye out for that. When it comes to layaway, at our store, you make payments every two weeks for 2 months. So if you put things on layaway, you might want to do it a day or so after payday for you. That way, when it comes time for your next payment, it will be easier since you just got paid.