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It's easier on the paycheck to take out maybe $30.00 a week than it is to take out the entire $120.00 at one time. Those are just arbitrary numbers I used.

Seems to me $30/wk X 4 weeks works out to the same $120, regardless of whether they (A.) put the stuff they need on layaway first or (B.) save up the money for 4 weeks and then go buy the stuff.

So, what am I missing? Nevermind, I see you've already been through this with someone else.

Earlier you wrote, "I worry about the poor people and how they will be able to clothe their families. Lay aways are a godsend to them." Given how layaway functions, perhaps you really meant to say it helps people who lack discipline to save the money for the things they need.

What is wrong with you people? Apparently you have never been poor or have forgotten what it's like to be poor.

Lack of discipline? The children should wear rags because their parents lack discipline.

Either of you ever hear the phrase, "Rob Peter to pay Paul"?

Y'all sound like elitist snobs. Poor is poor. We're not talking shopping with a Platinum card at Marshall Field's, we're talking about trying to keep your kids warm and clothed. Jesus H. Christ. I'm finished with this thread. If you can't understand something as simple as to why poor people use lay aways, you'll never understand anything.

Have a good day and I hope y'all don't get a nose bleed.