December 5, 2017

Some companies offer layaway plans to help with the cost of the holiday season. This allows consumers to make installment payments on reserved items; once the item is paid for in full, the consumer can pick it up. Before signing up for a layaway plan, understand all the terms and conditions. Be sure to ask for a written description of the store’s layaway plan before you agree to it; ask if you can get the sale price of an item if the price is reduced while your item is in layaway; and save all payment receipts, contracts, and related documentation until you receive your product