Want to skip the holiday crowds this year? Get your shopping done early in the year and the paying done later with layaway programs available at some of the country's biggest retailers. With layaway, you pick out your items, pay a down payment, and then make biweekly payments on the remaining balance usually for 8 to 12 weeks. Then, when the balance is gone, you simply stop in and pick up your items.
To help prep you for all the layaway options out there, here are the details on the layaway programs for seven of the biggest retailers.
Kira Botkin is a contributor for Money Crashers, one of the top personal finance blogs, where she discusses various financial topics like smart shopping, budgeting, frugality, saving for the future, and getting out of debt.