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Yes, I used to do layway years and years ago when I was a young single mother. Mostly around Christmas. Back then, I set aside X amount each payday to spend around Christmas. If it was near payday and a big toy sale hit, I'd do layaway for the items I was already intending to buy. If I didn't, I would miss the sale. If it was close enough to Christmas, I might miss the item entirely if it was a popular toy.
These days, I strongly prefer to use cash. We sometimes use credit for unexpected car problems, and then pay it off as quickly as possible. But we like to use our savings account instead of layaway. If we remove x amount for Christmas toys, we put back x amount plus more.
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"Ok, no more truth-or-dare until somebody returns my underwear" ~ George Lopez
I bake cookies just so I can lick the bowl. ~ ItWasMe
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