I guess I am just a weirdo, but I really dont understand lay-away. Just save your $, and when you have enough, buy what you need. I guess if we had high inflation and it locked in your prices it would be a good idea, or if we had really scarce resource/item and it kept it available to you; I could kinda understand that. But why let the store hold onto your money, and merchandise, for you? It isnt like we have inflation or scareity right now.