I recently came across an article on MSN Money about how layaway is making a comeback in these difficult times. This instantly reminded me of something very valuable I learned while working retail many years ago about layaway programs.
Now I share the secret with you: layaway is nothing more than a storage program. It only works to your benefit if you keep up the payments and retrieve your merchandise by the due date. Otherwise, you’re paying to store the retailer’s merchandise in a back room for a specified period of time and with specified payments. This is exactly what you do when you put things in a storage unit.
If you end up not making your due date for payoff and pickup (and as many as 2/3 of us don’t), the money you’ve been paying all along the way is ... Read the entire article.
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