Layaway or No Way

Share Button

I thought EVERYONE knew about layaway. Especially here in the US.

I got a blank stare from the Mr. when I suggested we put a few items on layaway last year when we didn’t have the cash at the moment. He just looked at me and said “what’s that?”

“Seriously?” I said “You don’t know? Wow, I thought growing up in the midwest you would be all over that.”

And I proceeded to explain. Layaway (or Lay-By as I found out it is referred to by Kiwis, Aussies and South Africans) is when you place an item or items on hold at the retailer/store and pay it off in 30 to 60 days.

The advantages? No interest. No need to rack up credit card bills,  you pay in cash and you don’t run the risk of the item selling out. I think layaways disappeared for a while, or went out of fashion, but over the past few years I have seen retailers bringing them back. I for one had blanked it out, but consumers are cutting back on credit cards and let’s face it, times are tough. Disadvantages: you have to wait to take items home with you.

Retailers such as Walmart, TJ Maxx, Marshalls, Kmart, Sears, Toys R Us and Burlington Coat Factory offer layaway services. Growing up, my mother would place clothing on layaway for us, pay 10% or a minimum of $10 then pay the remainder at the end of the month – and then we were able to take the items home.

Since working freelance, I don’t have a steady salary and payment schedules can vary month to month. I recently found a pair of Ugg Fabrizia Boots at TJ Maxx, but when I saw the price of $125 they went right back on the shelf – I just didn’t have the cash.

But then I remembered their layaway services and knowing that I had a few payments coming in during the month of January, I thought I would place them on hold until then.

And that’s what I did! I gave them on last look, paid a few dollars and entrusted them in the hands of the lady at the layaway. Last week I paid a bigger part and they should be coming home with me after my next freelance payment due before the end of the month.

This system may not be everyone’s cup of tea. In fact, for many years “ghetto financing” (as it was referred to) was embarrassing and only for low income families. I was tormented endlessly after I told a classmate that I had clothing on layaway. Talk about kids being cruel!

Today, it is back by demand and I find it’s a great way to get the items you want without racking up serious bills and sticking to your budget. Especially with baby número dos due in a few weeks, I have had to be extra careful with our budget –  but I can’t wait to bring home the newborn items I have on hold. There are also online shopping layaway options so you don’t have to go into the store for payments, only to pick up the item.

Clearly I am over my childhood traumas, no snobbery here! I have no shame in using layaway, it’s just another option for the budget conscious consumer.

What do you say? LAYAWAY or NO WAY!

preview-home-decor-ideas-DIY-VBM

10 Home Decor Ideas for Summer

Share Button

Sponsored post in collaboration with The Motherhood and ShopAtHome.com. Home decor ideas and list are my own. I’ve decided that my home needs a makeover. But more than just new furniture I want to spruce up my decor by incorporating color and style into our living spaces. Everything is a bit dark in here and I’ve never given home decor much of a thought – but now, I’m on the hunt for fun, colorful and vibrant pieces to liven up our {Read More}

preview

Coral Makeup to Freshen Up Your Look (VIDEO)

Share Button

CVS Beauty sent a beauty pack and gift card. A few weeks ago when playing with makeup I found myself feeling happy with the fresh coral color I had on my lips and I realized I wanted more of it! A beauty run to CVS later and I had a handful of coral makeup ready to be worn. Here are a few of my coral makeup favorites which you should consider for spring and summer to freshen up your look. And {Read More}

preview

Bike Riding in Stella & Dot Style (VIDEO)

Share Button

It was a beautiful weekend and Saturday was to die for! It was my prima’s last day before heading back to Chile so my husband and my other cousin and I all took her on a bike ride through Washington, D.C. We hopped on the Capital BikeShare in Alexandria and off we went. Wearing a comfy and stretchy blue dress and sandals,  I finished the look by accessorizing with my new Stella and Dot under $50 Lottie Necklace which had been delivered that {Read More}

preivew

Printacular! Lilly Pulitzer for Target Hits Stores April 19th

Share Button

This post contains affiliate links.  If you know me or read my blog you know I adore color — in my home, my kids clothing, my makeup and of course my personal style always has a BURST of color somewhere. Color, especially vibrant prints make this me Oh-So-FELIZ! Nothing screams bright colors and patterns more than American designer Lilly Pulitzer — so naturally when I heard of the Lilly Pulitzer for Target collaboration, it was a very, very happy day. The collection has 250 resort-inspired pieces {Read More}

preview-DIY-Chalkboard-Table-DIY-Chalkboard-Coffee-Table-VBM

Stylish DIY Chalkboard Table for Under $8

Share Button

Welcome to my first ever DIY post! I’m really proud of this because after realizing that I don’t do much else other than write, photograph and make videos, I needed a hobby — another creative outlet that I could enjoy and have on-going projects for myself. After coming to terms with the fact that we are not going to have new or pretty furniture anytime soon, I thought, “Hey, I can fix these up!” As a child my mom restored some {Read More}

pregnancy-changes-shoe-size

Mourning the Loss of My Shoes After Pregnancy

Share Button

Take a moment, relax, breathe and close your eyes. Picture opening your closet and seeing your shoes lined up in front of you. See them? All colors and styles. Now, image taking every pair and throwing them away in a big black garbage bag never to grace your feet ever again. Cruel, right? Who would do such a thing?! Let me back up. Shoes. Zápatos. Kicks. No matter how gordita I got, or when my jeans didn’t fit, or my jacket wouldn’t close, {Read More}