I think layaway is great for families...especially mine. I am able to budget a smaller amount into our monthly budget instead of just going all at one time. Before I was introduced to layaway I would go Christmas shopping for everything usually the second weekend of December. I soon realized that I wasn't financially ready to go spend that much all at once and then I couldn't get what I wanted because I didn't put money aside for the holidays.
Now I can put layaway into our budget because you only need to pay on it every 2 weeks. We usually work it out so I need to pay it on the weeks that my husband and I get paid.
I usually put everything on layaway that way it saves me from running all over the place. I already have my things put on layaway at Kmart and I have already used my gift card from CM. Thanks CafeMom and Kmart!