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I have used a layaway program once.
My mom is a doll collector and we would visit specialty doll stores fairly frequently. When I was six, there was a figurine I really wanted at one of these stores. It was about $3.00. I couldn't afford it with the money I had on hand that day, so my mom convinced the clerk to let me purchase it via layaway. We went to the store once every week, on Tuesdays, and I gave the lady at the store my 20 cents or whatever I earned by completing chores. I felt an incredible sense of accomplishment when I finally took that figurine home.
It taught me how good it can feel to save money for something that was very special. After that experience, I made it a habit to save up for a larger purchase, rather than blowing my income on candy or cheap toys. The experience showed me that you really can get that super special something that you really want, that the only thing limiting me was my self-control.
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"Sometimes I have to remember that things are brought to me for a reason, either for my own lessons or for the benefit of others." Cynthetiq
"violence is no more or less real than non-violence." roachboy
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