Walmart Layaway Information

Sept. 12, 2018 update: Wal-Mart layaway started on Aug. 31 this year. The rules remain largely the same: No opening fee, pay 10% of $10 down (whichever is greater), and hold at least $50 worth of purchases from categories such as electronics (but no contract-required phones), toys, small appliances, select sporting goods, and jewelry. The program runs through Dec. 10, and everything must be claimed and paid off by that date. Be aware that a $10 cancellation fee now applies, except in: Ohio, Maryland, Rhode Island, and Washington D.C.

Sept. 6, 2017 update: This year, amid lagging toy sales, Wal-Mart launched its layaway program earlier than ever, on Sept. 1. The terms remain the same: pay 10% or $10 down (whichever is greater) to hold at least $50 worth of items. All items must be paid off and claimed by Dec. 11.

According to Reuters news, analysts say that, in some regions, layaway programs now account for 15% of holiday revenue at large retailers such as Wal-Mart. Star Wars items, along with video games and Lego sets, are expected to be big sellers this year. Wal-Mart boasts 300 exclusive toys for the 2017 Christmas and Hanukkah season.

Sept. 1, 2016 update: Wal-Mart launched its layaway program earlier than usual this year, Sept. 2, in part to capitalize on interest in Star Wars Rogue One merchandise as well as other hot holiday toys. Buyers must put 10% or $10 down (whichever is greater). Items placed on layaway must cost at least $10, and you’ll need to have at least $50 worth of items in your “basket” to initiate the layaway. All items must be paid off by Dec. 12.
Walmart_Layaway_2016
Sept. 21, 2014 update: For the 2014 holiday season, which launched Sept. 12, all Wal-Mart layaway orders must be picked up and paid for by Dec. 15. There’s a $10 cancellation fee, but the retailer is temporarily waiving its $5 “opening fee” and expanding the categories of products that can be placed on layaway.

Each item must be $15 or more, and the total layaway value must exceed $50. The down payment required is $10 or 10 percent, whichever is greater. There is no online layaway option. Payment and pickup must be made in the store, though Wal-Mart may store some items off-site, making them available up to 10 days after final payment but no later than Dec. 15.

Aug. 24, 2013 update: Wal-Mart has ditched the $5 layaway fee for the 2013 season. However, the $10 cancellation fee that was eliminated last year is back. In a move that some in the financial press called a “desperate” move, the retailer is offering free layaway starting on Sept. 13, which is a few days earlier than last year. The last day of 2013 Wal-Mart layaway is Dec. 13, and more than 35,000 items are eligible.

Sept. 4, 2012 update: This year, Wal-Mart is launching its holiday layaway program even earlier, which may also help shoppers who are interested in back to school layaway. The store will begin to accept layaway items on Sept. 16, and consumers who “Like” Wal-Mart on Facebook can set their planned purchases aside as early as Sept. 14. In 2011, the year Wal-Mart layaway returned, items weren’t accepted until Oct. 17.

Wal-Mart has also changed its layaway rules, and buyers who pay off their balance sooner will get a better deal. Last year, there was a $5 fee plus a $10 fee if the customer cancelled. In 2012, customers will kick down a $5 layaway fee and if they pay their account off by Dec. 14 (within 60 days rather than the also-allowed 90 days), they’ll receive a $5 Wal-Mart gift card. There’s still a down payment required of the greater of $10 or 10 percent, and there’s a minimum purchase requirement of $50, and each item must cost $15 or more. However, Wal-Mart is allowing even more product types to be put on layaway, such as sports and exercise equipment and small appliances. Wal-Mart is also highlighting Apple iPad layaway and Lego layaway in addition to laptop computers and toys.

So, technically, Wal-Mart layaway is not free in 2012, but if shoppers follow through with the purchase, they’ll get their 5 bucks back in the form of a gift card. [There has been some confusion, because when 2012 Wal-mart layaway was first announced, the company, in its initial Aug. 20 press release, described a $15 open fee that could be refunded in the form of a $15 gift card.]

UPDATE:

On Sept. 8, 2011, Wal-Mart announced the return of layaway for the Christmas season. Starting Oct. 17, select toys and electronics can be placed on layaway. (Layaway won’t be allowed on “Black Friday,” the day after Thanksgiving.) Toys must be at least $15 each, and all layaways must total at least $50. There’s a nonrefundable $5 fee, plus another $10 if you cancel the layaway.

(earlier post continues below)
After years of offering layaway to its customers, Walmart did away with the program on Sept. 14, 2006. The reasons given were that not enough people were using it and it cost too much (in staff time and floor space) to offer it. Plus, a spokesperson told media at the time, most people just use credit cards.

Some customers got together a petition to bring back Walmart layaway, but it didn’t work. Walmart spokespeople have stated on numerous occasions that the company has no plan to bring back layaway. In many stores, the physical space once occupied by the Layaway Department is now home to the Site to Store feature, for online order delivery.

Even after Wal-Mart discontinued its layaway program, the retailer continued to offer layaway on jewelry only in some markets. Some consumers report that “their” Wal-Marts still allow jewelry layaway.

Spokespeople continue to insist that ending layaway has not hurt Walmart’s business, but Internet message boards show many complaints about its absence, and Kmart is making its layaway program a key part of its Christmas advertising push.

As of December 2010, there are 10 Facebook groups devoted to petitioning for Wal-Mart to bring back layaway. One has 132,000 members.

396 Responses to “Walmart Layaway Information”

  1. VERYWorriedMotherOf5 says:

    AND IN RESPONSE TO:

    Amy says:
    September 18, 2011 at 2:27 pm
    It shouldnt matter if there is layaway or not. Instead of paying on a layaway a little at a time, take that money and put it away in an envelope or bank account or something. Then when you have the money to purchase your big item, go buy it. Shame on you people for making Walmart teach you how to budget your money. Its not as if you’re saving any money by using lay away. People should have a little more discipline. If you can’t save your money to buy it, then you probably dont need it anyway.

    WHO ARE YOU TO SAY ANYTHING ABOUT ANYONES BUDGET. IM GREAT AT BUDGETING MONEY, BUT AS A MOTHER OF 5 WITH A BACK INJURY AND UNABLE TO WORK AND A HUSBAND WHO WAS LAID OFF AFTER 6 YEARS, WE HAVE NO CHOICE. I CAN SAY THAT ALL THOUGH WE ARE LIVING ON A LITTLE OVER $500 A MONTH, WE STILL HAVE NOT TURNED TO WELFARE, FOOD STAMPS OR ANY OF THAT OTHER STUFF. YOU SEEM PRETTY HEARTLESS AND COLD. NOT EVERYONE WAS BORN WITH A SILVER SPOON IN THEIR MOUTH AND IM SURE IF YOU WERE IN A SITUATION SIMILAR TO MINE OR MANY OTHER PARENTS YOU WOULD NOT BE THINKING THE WAY YOU DO!! YOU HAVE OFFENDED A LOT OF PEOPLE AND THAT IS NOT RIGHT!!!

  2. sharon says:

    I was always a BIG user of the walmart layaway..my daughter had triplets and I had over 10000 diapers in layaway. I disagree WHOLEHEARTEDLY with those who say lets add clothers etc. Im a grandmother on a very small fixed income and this program was a GOD send. Kids need clothes, adults need sheets/towels/dishes etc for gifts too. PLEASE THE POWERS THAT BE AT WALMART…LET US PUT OTHER THINGS THERE AS WELL…I HATE KMART but have gone there for just this reason…also YEAH! they are bringing back material!!

  3. Jo C says:

    Some of you enquired about what can be put on Lay away at wal-mart. Anything $15.00 or more and has to be atleast..a minimum of $50.00 in merchandise as long as it is toys or certain electronics. K-mart and sears being afiliated, you can put what ever you want on layaway, $5.00 layaway fee and there is is a $20,00 cancellation fee if you cancel.Of course no clearance can go on layawaya nd you have to make your payment atleast every 2 weeks and you have 8 weeks but i am pretty sure they do have an extension if needed. Check with your neighborhood store.

  4. Loved WalMart Layaway says:

    HEAR HEAR VERY WORRIED MOTHER OF 5! HEAR HEAR! AMEN TO YOU!! BRAVO!! I TOO was NOT BORN WITH A SILVER SPOON! EVEN IF I WAS, WALMART LAYAWAY IS NOTHING TO BE ASHAMED OF! ANY LAYAWAY IS NOTHING TO BE ASHAMED OF! IT WAS A WAY FOR PPL TO GET GIFTS AND HIDE THEM FROM THEIR KIDS FOR CHRISTMAS!! HELL, EVEN THE RICH USE LAYAWAY! WALMART ISNT TEACHING A BUDGETT; WALMART ISNT BOUT THAT, LAYAWAY HELPS AND SOMETIMES YOU CANT PUT MONEY ASIDE, WOULD BE NICE IF WE ALL COULD DO THAT BUT CANT!!

  5. Loved WalMart Layaway says:

    I MOSTLY GO TO WALMART FOR THE EMPLOYEES, THE UNDERPAID EMPLOYEES AND THEY KNOW ME THERE, MOST OF THEM ANYHOW. SO I GO THERE FOR THEM, THEY ARE NICE PPL AND DESERVE BETTER!! CUSTOMERS DESERVE BETTER, SO WALMART HAS TAUGHT ME ANYTHING ON A BUDGETT; BUT I’VE LEARNED ALOT FROM WALMART AND HOW THEY TREAT CUSTOMERS AND EMPLOYEES!! SO SHAME ON YOU FOR SHAMING SOMEONE LIKE ME ESPECIALLY WHEN YOU DONT KNOW MY SITUATION!!

  6. Loved WalMart Layaway says:

    EXACTLY SHARON, I AGREE.. WHY ARE THEY ONLY ALLOWING TOYS AND ELECTRONICS?? HOW BOUT CLOTHES? SHEETS AND BLANKETS OR DISHES OR VACCUMNS?? LIKE YOU SAID SHARON. I SEEN SOME AWESOME JACKETS ID LIKE TO GET, NICE N WARM, PERFECT FOR TEXAS AND NOPE, CANT PUT THEM ON LAYAWAY, IF I WANT TO DO THAT, I HAVE TO GO TO KMART, AGAIN OVER 2 HOURS FOR ME.. WHAT A HAUL!!

  7. rockoe says:

    thats right veryworriedmotherof5 let her know. it takes someone ignorant to say something like that. but you know what they say ( ignorance is bliss).

  8. tiffany says:

    to the lady that was talking about people not knowing how to budget…well, if it’s so wrong for us to want to use the walmart layaway …cause you claim that we should be able to put a little money back or whatever it is you think we should do… well if thats how you feel then what about credit cards ????….. i think its kinda all the same thing … so if you own a credit card why dont you just do away with it and just put a little back until you have enough to buy whatever it is you need!!!!!
    well im happy they are bringing back because i have 3 girls, and it really helps me to get everything they want a poay a little each week and not got broke all at one time …lol…. weither or not they have the layaway or not , im still going to give them a good christmas but this way i will have more time to get them everything they want !!!
    so thanks walmart

  9. Alice Cullen says:

    WorriedMotherOf5 it’s OK to be upset but you’re making other moms with 5 feel like we want handouts all the time. I have 5 kids, married, we both have great jobs, earn 6 figures and we use layaway. Why? Because we can. I don’t feel like paying for something at once. I like to pay on it a little at a time and I don’t have to explain my actions to anyone. It’s not like they charge financing. We don’t use credit cards, have a son in college, own both cars outright and we feel that no credit card use has helped. I’m sorry about your situation but it’s your situation. You should have gone to college instead of depend on tedious blue collar work. People ask why I have so many kids, but I can afford them, and that makes a big difference. If you are lower income you should have so many kids. Even with our salaries it’s tight sometimes, but because we have college degrees and good jobs it’s not bad and we can afford a nice home in a nice subdivision. Oh well you need to learn to live within your means and if you want sympathy because you have 5 kids then you won’t get it from me. I have 5 but I’m darn proud of it!!!!! Stop making big families look poor, because some of us are pretty darn comfortable.

  10. Lisa says:

    Had always been a big fan of walmart layaway but when they quit having it, I just pretty much quit shopping there. I have 5 kids and at one time walmart was a life saver but now I spend my money else where do to the fact that if I have to save money to buy clothes, I’m going to buy them somewhere else. Walmart bring back layaway, not ever one has credit cards and there are still low income people that struggle everyday.

  11. nikki says:

    you actually can put clearance items on sale me and mother have before and never had a problem with it when it goes down on the floor so does it on the layaway at kmat. but i would love walmarts layaway alot better if they would have it all year!

  12. Tammy says:

    I personally like the layaway at Walmart. It has nothing to do with money but its a great way to gather up items for Christmas and pay on them and then bring them home. The reason I like layaway is that keeps me from hiding toys in closets or other places that children will most likely look. When I pay out my layaway a week or so before Christmas – then its alot easier bring home and wrap them or store a few more days until Christmas morning. The only bad thing I know about layaway is sometimes your layaway gets lost when stored in the layaway area. Its a big problem then to try and pick up that hot toy of the year on layaway and it not be there anymore. I guess hope for the best is what to expect when placing items on layaway! 🙂

  13. V>S> says:

    i agree with mother of 5, i know how you feel, i’m in a tight spot too!! everything i so high and i’m a grand mother too and a baby needs so many things, not what they want but what they need, and yes some people can say crappy things because they have not walked in others shoes but live on and GOD can show you better than he can tell you and this i know for sure!!!! Saving money is easy for some people, but for those making under 20,000 a year it’s hard as H _ _ _ with rent light bill water bill insurance , phone bill medical bills dental bills and most of all FOOD and its without gov, help so until you walk in others shoes, don’t JUDGE!!!!! I am truly grateful for WALMART bringing back LAYAWAY cause maybe every child can have a gift for CHRISTMAS this year, at least until they understand the true meaning of the HOLIDAY!!! THANK YOU WALMART!!!!!!!

  14. steph says:

    I wonder if u can put hunting or fishing stuff on layaway since that seems to be all my son wants for christmas…

  15. JUDY HILLHOUSE says:

    i think lay a way should be all the time this is a time when people cant afford to get the things they need and just buy what they have to to get by, kids don’t get new clothes parents don’t get new clothes because they are trying to support the family with everyday needs everything is going up but the wages and we all wondered why the lay a way was taken away i think if it was brought back all the time for good! people would feel better about themselves if they can afford to get the little extras things that they can get on lay a way when they otherwise couldn’t afford them we all deserve new things once in a while and i think lay a way would be the answer for all the people that are on fixed income like the elderly who their soul income is social security i know elderly people who haven’t gotten anything new in years all because they cant afford it so i hope walmart reconsiders the lay a way and brings it back for good

  16. Sherri says:

    To the hateful person speaking of budgeting. Did it ever dawn on you money is not the only purpose to layaway? I use it to hide christmas from a noisy husband and glad to pay that fee to have them hide it. You should think about what makes you lash out on thiusands of people you dont even know. Wow but blessings to you.

  17. marion says:

    i agree you should be able to put anything on layaway just like you used to. it helps alot of people with buying things through out the year. this year i had to put clothes on layaway at kmart. i would have rather done it at walmart but we have no layaway witch sucks. there has been many things i would buy if i could have put it on layaway. because if you can manage to save up for it, by the time you do that item is already gone. so what is the point. I HATE KMART their prices suck. please bring back layaway to wal-mart PLEASE

  18. Glo says:

    I mean really. The nerve of some people trying to be budget consultants. No one now a days of big lump sum of money to be dishing out all at once with the way this economy is whether you work or not it is still hard. Everything is high, gas and food. Everyone wants nice things and if they want to pay it over time I don’t feel it is anyone’s business. Get a grip and let people do what is good for their situation without the naive input.

  19. marchguy says:

    I’m glad walmart is bringing back laway even if for a short period. I wish they would give more of a range but its great. To the mother of 5. I agree with you. TO the woman who bashed her for not having a college degree. How do you know she nor her husband doesnt? I know lots of people with college degrees that was hit by the falling of our economy. Now to make a living these people are working as servers, cooks, in retail. Shoot some may even be working at walmart. These people are having to take jobs at very little money compared to what they were making. For parents, aunts, uncles, grandparents, etc Laway is a great easy way to get gifts for loved ones. Plus who says that something we see the kids or others may want will be there closer to christmas. Stores do sell out of items. Boy do I know they sell out of items. I agree if you have a credit card you have to make payments to pay it off if you cant pay it off all at once. Yes you can put money back and buy it when you have enough. but what if the item is gone or that fact sold out? did all the money you saved to get that or those items is just there. So to the person that made the kinda negative comment about motherof5. Good for you that the economy hasnt hurt you so much. Good for you that you have your college degrees. But I ask you go spend a night in a homeless shelter or spend time with those people. I really dont like saying this but you kinda sound heartless!

  20. Pam says:

    I work at WalMart. Black Friday was a nightmare in the layaway dept. I worked it one year.As far a saying that people
    should get a degree so they won’t be out of work. BS. My daugter has a degree. She also has 30,000 in student loan debt. She just had a baby in Oct and is having to quit her job because she can’t find a daycare that will take a newborn and if she could it would take most of her paycheck.
    Layaway is the only way she will be able to afford Christmas for her 2 boys.I do think they should let more items be put on layaway tho. Besides electronics and toys.

  21. AZ walmart shopper says:

    Reply to Alice Cullen & a few others: I think you need to reread very worried mother of 5’s comment. She wasn’t trying to make large families look poor she was actually responding to someone else’s comment who said people who use layaway have no discipline & need to learn how to budget their money and not use layaway. I think you are being very judgmental and basically plain ignorant. She said she has a back injury; you don’t know if she received that at her well paying job or from a car accident which left her unable to do her well paying job etc. She said her husband was laid off but she did not say from where so why are you assuming it was a “tedious blue collar” job and not from a well paying job? You said “you should have went to college” but how do you know she & her husband didn’t. I don’t recall her resume being attached to the post and you don’t know their situation because contrary to what you believe not every person has the opportunity to go to college. I am college educated & my husband is not but he earns more than I do. Some people go into a career to make a difference or because it’s their passion not because of the money they can earn. Besides that depending on what state you live in and the cost of living the pay you earn for the same job varies amongst each state. I think Mother of 5 understands her situation quite well seeing how she lives it every day and since she hasn’t applied for welfare she is keeping it as “her situation”. I pray that her family finds their way back to comfortable living and I pray that your alma mater offers refunds because you seem to be lacking the wisdom you paid for.

  22. Crafty Mom says:

    I am a college educated person as is my husband, both of us work in education in fact and due to being r.i.f’ed (reduction in force) both of us were looking for other work…I found a job working as a preschool teacher but at a much much lower pay and my husband finally found work after a year, again at a much reduced pay. So, the fact that layaway has been brought back at so many stores is a blessing when it comes to providing christmas for our family. Shame on those who judge others for their financial situation or choices. This recession hit everyone hard, not just the blue collared worker.

  23. Mom of 4 says:

    How rude to say a person who doesn’t make six figures shouldn’t have a large family and to assume everyone making less than is uneducated! I am married, have a degree, four kids, husband has 2 degrees and masters. We make sacrifices so that I can be a stay at home mom and my husband definitely does not not make plenty of extra money, but our kids are happy, well taken care of and well mannered/behaved. I use layaway so I can get a hot item my kids want when it’s in stock, pay on it, and not worry about trying to hide it until a few days before Christmas. For all that education you really should learn to think before you speak!!

  24. Cass says:

    Why does it have to come down to budgeting and degrees? Why can’t it be that a payment of $50 every couple of weeks sounds a lot better then putting down $500 in one sitting? I’m glad that walmart is bringing back the layway plan; however, I still plan on using Kmart also. Kmart has stuck with their plan even when everyone else stopped theirs. I don’t want to hurt their business just because Walmart suddenly realized they were stupid for dropping it in the first place. The toys will go on at Walmart (better selection) and video games and clothes will be placed at Kmart. This is coming from a person with a college degree, a Christmas account, and a mother of 2 kids (that I can afford)!!

  25. Lou Lou says:

    In response to Alice Cullen: You should spend more time thinking about your comments before you post them. You made yourself sound selfish, hateful, and cold hearted. Also, from my experience the people who brag about their lives are the ones who are truthfully unhappy! Especially when bragging to complete stangers! As for the Mother of Five, she did not make anyone look bad. She was expressing her concern over her “specific” situation.
    Layaway is a wonderful option no matter what “anyones” circumstances are!

  26. Ali says:

    I have no problem with Layway but I do see that Stores have no choice as the US is not doing very well. The unemployment is high and people have maxed out there credit cards. All these stores would be smart to do Layway as people are leaving under there means and if they are able to pay for there Christmas gifts little by little why not.

  27. Tired of Walmart says:

    Walmarts layaway plan is a joke. Your items have to be minimum $15 each and the total layaway has to be more than $50. You can also only put toys and electronics on layaway. Walmart just lost my business. I went to try to put stuff on layaway today and found out the $15 item requirement. Their stupid sign has written in such tiny print about this policy you need a magnifying glass to read it. I will be reporting this to the local news media as well. I just dumped my cart and left it in the layaway department and walked away. I went home and went online to Kmart, put everything I was going to buy at walmart on layaway from the comfort of my home. I don’t even have to step foot into the store until I’m ready to pick up the layaway because you can make your payments online. Yes, you have to make payments every two weeks but this is much better than Walmart and you can put virtually anything on layaway online with Kmart.

  28. Amanda says:

    I love Wal-Mart’s lay away plan. I used Kmart’s last year and when I went to pick it up they had lost every bit of it. So their solution was to give me my receipt and told me to go find everything again. Needless to say I got all of my money back but had to shop all over again somewhere else 🙁 Not a happy mom at all.

  29. Lilly says:

    I was so excited Walmart was starting a layaway again. I marked my calendar and saved for my down payment. Years ago I put mine in on the 1st day of Sept and had 4 full months to pay for my kids big christmas. So with that in mind I assumed the lines would be long and no good stuff left but I was wrong. We got there at 9am and there was only a few shoppers in the store. No line for layaway and I got all my big ticket items.
    Not sure if its the times we are in now (no money) or people wanted longer times for their layaways. Kmart had theirs sooner so did Sears.
    I think Walmart has missed the mark on this no layaway policy. I and so many others I know looked forward to the Xmas layaway in Sept. I could get all my shopping done in 1 trip and have til Dec to pay it off. I usually spent $1000 to $1500 every Xmas.
    Walmart please reconsider your actions and bring it back as before. It was part on my Xmas tradition. Put your customers opinions first. This also will hire more seasonal workers which helps the economy. With so many out of work be apart of the solution. Help your faithful customers have big a Xmas. The trickle down effect will be worth it. Spend more Buy More puts people to work.

  30. sandra says:

    @VERYWorriedMotherOf5

    What is it to you if we get out stuff through layaway?? Don’t worry about what others do?? Layaway is a great plan

  31. Anonymous says:

    IM WITH THE MOTHER OF 5, IVE GOT TWO KIDS MYSELF, AND A FIXED INCOME, IT MAKES IT EASIER FOR ME WHEN IT COMES TO THE LAYAWAY PLAN, CUZ I WAS NT BORN WITH A SILVER SPOON IN MY MOUTH, BUT THE LAYAWAY PLAN U SHOULD BEABLE TO PUT WHATEVER U WANT IN LAYAWAY, AND HOWEVER MUCH IT COST

  32. lopez says:

    Im glad walmart put layaway back on so just go shop and stop bickering or complaining about what should could or would. Its a start. Cant we all just get along.

  33. betty says:

    Does anybody know if you can place layaway online with walmart?

  34. Lee says:

    ..ur crazy some of us love using layaway, it shouldnt matter putting money away and work on a budget, some of us dont have the luxury of spending money. unlike you, u prob have money so u dont worry about money. Layaway helps alot of ppl and children get stuff they like.
    but i wish more stuff at walmart was on layaway they have alot of cute clothes coats assesories, little things that can go a long way…

  35. tanya says:

    im so happy to have walmart layaway brought back at least for the christmas season. and i agree with you guys who has the money to go to the store and buy something right out nowadays. if your make of money you can. but not everybody is. i feel that it is perfect because i have 2 children to buy for. and 2 little brothers and 2 sisters to buy for. plus my nephew and neice. plus the new baby that is coming. so thanks so much from coming back walmart at least for the season. what all can you excattly put on though there?

  36. Kathy says:

    I think it would be wonderful it they brought layaway back all the time, but I don’t know how a women with five children can even live on $500.00 a month and not be on welfare or get food stamps that’s sounds so untrue, but like herI am on food stamps and a fixed income, my family doesn’t get gifts anymore we are thankful to get a nice dinner and that is because a couple of people at church gave us grocerygift cards, but for other folks and for a child not to get a gift at Chrismas is terrible if it’s only one. Please Walmart bring all items back to layaway.

  37. Dizzy says:

    ok so im totally lost what is the benefit on putting something on layaway? Could I put something on layaway on black friday and it stay at that price?

  38. Don'treallycare says:

    I know this is late but I have to add something. I think worriedmotherof5 is really not thinking. I agree that you need to budget and not go out a spend money you don’t have. We are very limited on what we can do this year for our kids. We are planning on getting them both a Leapfrog learning pad. That’s $200.00 and I think they will sell out very quick for Christmas. So I’m going to sit back and put money aside until I have the $200 plus and I can purchase this item. OOPS I go in to buy them in December (took that long to save) and every store is sold out. Guess I should have put them on layway. Sorry kids you aren’t getting that for Christmas so lets see what left on the shelf. Dang not much would it be ok with you guys if we wrap up last years presents and you re-open those? I’m sure she won’t even see this but come on. Don’t be bad mouthing people that are have to use state programs. SHAME ON YOU. If it wasn’t for those programs my 1 & 2 year old wouldn’t have food or be able to see a dr. My husband works very hard but we still need those programs because everything we have goes towards bill and we live with my family. I agree there are some people that abuse the system and shouldn’t be allowed to get this stuff but people like us can’t live without it.

  39. I would rather have layaways all year . icould lay things away n pick up. then put more on .so much easier. i always buy clothes and housewares not toys as my kids havout grown them ..i would spend more at walmart then. now i put things on layaways at k-mart n sears as they have layaways all year long . and you pay every month or every 2wks

  40. deb says:

    @ Amy….I don’t remember Wal-Mart being in the teaching of a budget business, but I do believe that the layaway program is a great way to get an item that you may not be able to afford at the moment and an item that may be out of stock by the time you were able to save the money to make that purchase. So to Amy…..save and buy the way you choose and let others make that choice for themselves. I too like the layaway for the purpose of hiding the items from my family as well as being able to get the product before it is sold out. Yes, I could save the money and purchase it somewhere else for a higher price…..which would really make a lot of sense for my budget. Thank you Wal-Mart for bringing back your layaway program for those that really understand the concept of it.

  41. Lois says:

    Live and learn. When you know better, you should do better. Know what is important like love, time well spent, food, shelter, clothing, sharing, etc. Please stop letting marketing dictate your happiness.

  42. mother of 3 says:

    to all those who are judging others because of their lack of schooling or use of welfare do you know what these ppl have gone thru in thier life. do you know my life, that i lost both my parents to cancer, that i graduated an honor student and went to college but have fibromyalgia and can’t work, that my husband works 6 days a week and still all our bills are a month behind, that i do get food stamps and medicade and see nothing wrong with it. my husband pays into it every week so why not get that money back. i do not abuse it nor do i do those things that i should not do. that i worry everyday of my life how i will give my kids what they need much less what they want for christmas. layaway sounds great but now i wonder how i will even be able to do that. i don’t care what any of you say about me and i do not want sympathy. their is only one person that can judge me and that is god and his opion is the only one that matters to me. i am very happy for those that don’t have to worry about how to get the things that they need. do i bash you for being rich or what not. no! i do not know how you got to were you were. weither it was handed to you or you worked your butt off to get to were you are is none of my business. i know how hard my life has been and how hard it is. YOU DO NOT! so stop judging ppl and acting better then others. we are who we are and if layaway is that persons choice then so be it. you either use it or not. i will do what i can to make sure my kids have a good christmas, but to b honest they will know the real meaning of christmas. that it is better to give than to recive. GOD BLESS YOU ALL!

  43. ShameOnYou says:

    I think bringing back the layway plan is a good idea. It helps out so much!! As I sit here and read all these post it just proves everything I’ve been saying for some time now..people aren’t what they use to be, neighbors use to help each other out. Now its a competition. As for the lady with the 5 kids and 6 figure income, if your so high and mighty maybe you should put your money where your mouth is, instead of you sitting here judging someone or their situation maybe you should lend a hand and pay it forward..just saying.

  44. SuzyD says:

    Go ahead and save your money until you can ‘afford’ that gift your child really wants. Just remember there won’t be anymore left on the shelves when you finally have your envelope filled.

    And while you’re busy putting people down remember that some of us have to have surgery next week and won’t be physically able to stroll thru any store during the shopping season. This is going to be a huge help to me, as a single parent with colon cancer…….I can put Christmas on layaway…..don’t have to worry about gifts being found before the big day. It’s a huge load off my mind!

    Gee, maybe there is more than one reason folks choose to put gifts on layaway!

  45. jimbocook says:

    One good reason to use the Walmart layaway, Is we can do most of our Christmas shopping for the grand kids, before most of the new wanted items are sold out. Its not because of a budget problem, or cause we have five or more kids. For most of the people that have put post on here. I ask why are you attacking others, so you have a a better job or college degree, children are a blessing from GOD. We have our own, adopted, and our foster children. Stop teaching judging others. Walmart and other retail companies, have a layaway programs for convince for all. STOP JUDGING OTHERS, PERIOD.

  46. lrc says:

    VERYWorriedMotherOf5 is correct about putting money aside, but that issue has some other components to consider. First, there is the high probability that by the time you have the money to purchase it, it is sold out, or the price has increased. You can save items in your shopping cart on most online retailers, but that does not physically hold the item. On Amazon, for instance, should that item be sold out it will dissappear from your shopping cart. Second, with the current economic conditions, people simply need some help, and layaway provides that. It is a catch-22

  47. rod says:

    as for amy, she’s narrowminded and can’t see beyond her nose. i like layaway for several reasons. its easier to budget my money, it guarantees me that i will have those items when i pick them up. i get to keep those items stored in their store not to worry about taking up room in my house and having to hide everything. she probably one of those that waits until she can get the cheapest deal. thats o.k. too… but everything is gone by then!!! and my kids say, thank you daddy.!!!

  48. Jeanne says:

    I say “Do whatever suites you!” – However, to the “college educated, six figure making, better than everyone woman, that can afford her kids so anyone who makes less than six figures shouldn’t have kids”- WOO! That post sounded really nasty and made alot of people think you should really get over yourself! You really should deal with all that hostility, but in a productive positive way- why don’t you go down to your local children and families center and ask some of those families how they got into the situation they are in. You would find that some of those families are hard working, college educated, own their cars and home (about 60% on gov assistance own their own home), and with more than 5 kids, but they have been laid off from their six figure paying jobs and cannot find work, so they are working at McDonalds now and need help. They need encouragement, not insults. Just a suggestion, it might give you some insight that it could happen to you as fast as it did to so many others- so lets not pass judgement or make accusations about others that we don’t know-
    On another note- I am a successful woman and I have 2 children of my own, 7 nieces and nephews, and I decided that wasn’t enough for our family, so I adopted 2 more! This year I am thankful for WAL-MART layaway and am using it! I want to make sure that each child in the family gets exactly what they wish for, so shopping for those items is a toughy because they go out of stock so quickly! Also, it is a relief that the toys are hidden for me at WAL-MART so I don’t have to worry about the kids finding them! I say do whatever suits you and your situation, and to those that are negative and have only nasty things to say because they think they are above others (and layaway) just pray for them. To all of you struggling… I pray you and your families have a Merry Christmas and wish you many blessings for the new year!
    THANKS WAL-MART LAYAWAY FOR HELPING ME ENSURE ALL THE KIDS IN MY FAMILY HAVE A MERRY CHRISTMAS!

  49. Curious... says:

    those of you who are against lay-a-way and leaving assinating comments to those who use it… why are you even on a lay-a-way site? why are you even leaving comments on this lay-a-way site if you are above using lay-a-way?

  50. TinaB says:

    Thanks Irc that’s exactly what i was thinking the moment that I read the post from Mother of 5. It’s not just the money issue. I am sure I am not the only one that has travelled all over town just to find an item that one of my girls wanted for christmas just to find out “the last one was just sold”. I prefer to pick those items up NOW while they are available put them on layaway and know that they are secured for the big day. I would LOVE to shop on Black Friday for the sales but have only done that once in my life because I am always working. I often don’t have the time to leasurely shop anywhere. In fact when Walmart first opened here and was opened 24 hours I shopped late at night after getting off work, now that was relaxed shopping. I could pay and take the items home but WHY? While I feel fortunate that my husband and I both have good incomes and still have jobs, in this economy why would I want to let go of all the cash if I don’t have to? Currently I have Christmas layaways at both walmart and kmart since their program is not limited to 3 departments and I can pay the payments on line….that’s convenient because I always had trouble getting in to the store on time when I used the service years ago.
    For me as well as others I am glad layaway was brought back.

Leave a Reply