12 shopping tips for the holidays
9. Consider layaway plans
Layaway plans are being more heavily advertised this year, and may be a good option if you don't want to use a credit card on an item but can't afford the entire cost up front. Make sure to check on fees for the plan, and whether there are fees imposed if you decide to not purchase the item and ask for a refund. Also, make sure the deposit amount and payment schedule meet your needs.