Money always seems to be tight during the holiday season, and with the economy still in the dumps, shoppers are returning to the old offer of layaway.
Whatever you are shopping for this Christmas or another important date can be stored and paid for with installments, but time is running out for some of the layaway offers.
Those who like dealing with local businesses will be happy to learn that Kincaid Service Co. on Madison Street offers the service all year.
Calvin Kincaid said that they have always offered layaway, and let the customer tell them what they want.
"We don't have a specific deposit down and we don't have a specific period of time," he explained, saying he lets the customer tell him when they want to pick up the item, and how much they wish to pay per week.
"Then we figure out if that's going to work, if it doesn't, then we'll figure out what will work," Kincaid said. Gift certificates are also available and anything in their store can be put on layaway.
"We help the customer figure out what's convenient for them," he said, saying they've have the policy since their opening.
Shelbyville's Sears store is also offering layaway, but it ends Monday.
Customers trading there have an option for a eight-week layaway, which includes a $5 service fee and a cancellation fee of $15.
The down payment is $20 or 20 percent (whichever is greater) and will be collected when merchandise is put on layaway.
Four payments of the balance due is required after the down payment for the eight-week layaway contract.
At Shelbyville's Roses location on Madison Street, layaway items may be picked up until Dec. 15.
According to Paula Holly, their policy requires 20 percent down payment and a $5 processing fee. Payments need to be made every two weeks, and must be paid in full within eight weeks.
No partial pick-ups are allowed as part of Roses' layaway policy, and since it's so close to Christmas, Friday is the last day it will be available.
Walmart is offering the service until Dec. 14 for toys, electronics, small appliances, floor care, refrigerators, jewelry (where the service is available year round), and select sporting goods.
A customer only has to make a down payment of $10 or 10 percent, whichever is greater, as well as an open fee of $5, refundable to a Walmart Gift Card upon full payment.
The total purchase must be over $50, and individual items have to be $15 or more. Although layaway began on Sept. 16, the final payment and pick up must be made on or before Dec. 14 at the same store the layaway was initiated, or the account will be canceled.
If your Walmart account is cancelled, then the item will be returned to inventory and the down payment and other payments will be refunded, with the exception of the open fee.