We know most people are hitting hard times this year, and I don't know about anyone else but every single unexpected bill you can think of hit between Oct, and Dec, for us EVERY YEAR! We are going to use layaway this year. We've never used it before and I've always wanted to. We really have no other choice. Oh and we live in GA and we have around 6 pecan trees in our yard. There are places around here you can take them and sell them by the LB, we usually give them away but we selling them this year.