First of all, how did it get to be time to be thinking of the holidays again? Didn't we just have Christmas?! So, like many Americans right now, I'm thinking about how I'm going to pay for holiday gifts. Everything the kids want is pretty expensive. They all like Legos and we know how much they can be and Buddy is into Wii games, ugh! Plus I'd love to get my husband a flat screen HDTV finally!
One thing I'm debating is using Kmart's free layaway program. The financial hit wouldn't seem so bad if I started paying on the gifts now, in September instead of waiting until the last minute. Plus, with layaway you at least know it's paid for at the end of the holidays instead of just getting started on the payments like you do with credit. (Not to mention finance charges and other fees with credit!) Kmart's Layaway is different than other stores. Kmart is the only store that allows year round layaway with no service fees! Check out the differences between the other stores below:
Currently Kmart also has a promotion called: Kmart's Big Layaway Giveaway! All you have to do is place an item on layway either in store or online and you are entered! (There is an optional free mail in option to enter as well.) There will be one winner every store, every week! Seems to me that your odds are pretty good! If you win, Kmart will pay off your remaining balance. Win, win! It sure would be nice to get Christmas paid for. What are you waiting for?