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I've never used it. I'm not even super clear on what it is. Is it where you give a percentage of the price and the store holds the item and then you pay the rest in installments over a period of time?
Pretty much. For instance, at Walmart you give them 10% down + a $5 fee then pay what you can weekly until you pay it off and you take it home. If you can't finish paying it, it looks like you pretty much forfeit any money you've paid and you don't get the item.
We're probably going to do it this year. We know what we're going to get the girls and we feel like this is the best way to make sure we get them what they want and what we want to get them. Hopefully it will be less stressful. We're way better at budgeting weekly than long term right now, though we're working on it. So if we know we need to put $30 or whatever toward the girls' Christmas presents then we'll be able to do it.
that is how it works but if you can't pay it for whatever reason you can usually get your money back minus a restocking fee or a percentage. We do layaway as well as start shopping months in advance b/c we have so many children. We have to start in the summertime!