This is a sponsored post, I am a Kmart Layaway blogger, though all opinions are my own.
So I know it's only October, but it's time to start holiday shopping. If you don't start now, you'll be scrambling to try and do it all at the last minute. Last minute holiday shopping results in impulse buying, spending more than you intended to at one time, and possibly forgetting items. The worst is waiting til the last minute and realizing that special item you wanted is out of stock! This is where layaway becomes your best friend for holiday gifts. So now that there are stores like Kmart, Walmart, Best Buy, and Toys R Us offering layaway, which store do you choose? Hopefully I can help you with that. I'm very familiar with how layaway works. What's exciting this year is that Kmart is offering their Big Layaway Giveaway! Keep reading to find out more.
So you may be asking what is this big layaway giveaway about? From 09/09/2012 to 11/17/2012 Kmart is running what they are calling the Big Layaway Giveaway. No one else is offering anything like this. There will be one layaway giveaway per store per week until the end of the giveaway period on 11/17/2012. No purchase is necessary. (For all of the official rules visit Kmart's Big Layaway Giveaway) What will happen is if your layaway is chosen at your store they will pay it off for you! Pretty awesome, eh?
I'm already making my layaway list. Seriously. My dear boyfriend is really wanting a deep fryer, so of course that's on my list. I can't keep it here or else he'll find it. This is where layaway comes in handy! He can't peek at his gifts! (And no he doesn't read my blog, he could care less haha) For myself, I'm going to put a Keurig coffee maker on layaway since I don't need it right away and it's also kind of a surprise for the boyfriend. I think I'm also going to stock up on some PS3 games like Borderlands 2. Maybe I'll even splurge and put some exercise equipment on layaway (since I'll be eating a lot of junk food and goodies during the holidays). Layaway is a great way to pay on all of it until close to the holidays since I've got bills to pay right now. I can't afford it all at once so this is a great way to reserve all the stuff I want to get and pay for it in smaller amounts.
My Past Layaway Nightmare...
Last year I tried to put stuff on layaway at Walmart and it was a nightmare! There I was with a cart, filled with most of my gifts for friends and family, and Walmart turned down most of the items I had! Their rules for layaway are ridiculous. I checked out their rules for layaway this year and they're just as ridiculous as last year. This year they are still only allowing toys, electronics, small applianes, jewelry, and "selet sporting goods" (which they don't elaborate on). OH and make sure each of your items are worth $15 or more because if each item isn't worth atleast that much, even though it's in a qualified category they won't take it. Your total minimum layaway balance must add up to atleast $50. Is your head hurting yet? Mine is. Forget you Walmart!
For those planning to buy a lot of high tech gifts, Best Buy is offering layaway as well. Good luck finding a store near you that offers it though. Not every store is offering it. I did a search of the stores near me that are offering layaway and the closest store is about 50 miles away from me. No thank you! Your total purchase must be atleast $250 or more. You cannot put open-box, clearance, special orders, or promo items on layaway.
If you check out the chart below, it explains how well Kmart's layaway stacks up against others. I have no experience with Toys R Us because I don't buy a lot of toys, but I'm sure there's is no better than Best Buy or Walmart's layaway.
Why Kmart's Layaway Rocks:
I'm totally going with Kmart for my layaway needs in preparation for this holiday season. How can you go wrong with free layaway? You can make payments online or in the store. Plus there's a nifty payment calculator online that gives you an estimate of how much you'll pay on your layaway! I love planning things ahead of time so this really helps. Kmart offers 8 week contracts for balances less than $300 and 12 week contracts for balances of $300 or more. And how can you not want to participate and have a chance to win Kmart's Big Layaway Giveaway?? I'm really hoping to win with my layaway, it would really help me out! I guess I won't know til I try, right? Next payday I'm going down to Kmart to start my layaway!