do you guys use layaway?

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lay-a-way

Heck ya! 10% down, even up to a year to pay, no interest, and good prices!
 
Yes, it's great, especially for unique or hard to find pieces. A lot of shops say 90 days but as long as you show up with some cash once in awhile they'll hold it longer.
 
All the time at the local gun/pawn shop, 3 months to get it out, sometimes an extra month or two if I have several in layaway, they are lenient for the most part.
 
I just used it earlier this month. The week after Christmas is a bad time to buy a gun... It was a relatively rare piece that was exactly what I had been looking for for a long time. So I put it on Layaway and sent the final payment from my next paycheck. In most cases I just save up the money till I have enough. I definitely don't do the guns on credit cards thing. I like guns way too much for that.
 
Yes sure as hell beats using a credit card and paying interest.
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Yes it does , the last gun I bought was this way , the store owner told me he would knock off $50 on the rifle I was looking at - I asked if I could put it on lay away - "Sure , no problem" he says!
 
Absolutely not. When I want something, I buy it and bring it home. But then again, I try to have enough money in reserve to do such things.
 
Maybe it is different there than here, but I suspect layaway is the same all over - a legal way to print money.

Get a customer to put 10-30% down, and then if he forgets, or money is tight, or the car breaks down, the customer loses the downpayment and the store got free money.
 
Some places differ. I had a layaway at a local Scheels that I totally forgot to pay on. I had myself a reminder note and all, I just kept forgetting to stop by while I was out. At any rate, they canceled my layaway and sent me a slip for the amount in store credit.

Certainly not the same as a cash refund, but not as bad as it could have been.
 
The only problem I have with layaway is I no sooner get one out, than another one goes in. :D I've got one in right now.

Driving to the gun store 3 or 4 extra times to make layaway payments is going to cost way more than just paying 2 months interest on a credit card. And that doesn't even include the cost of the hours wasted.
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No, it doesn't "cost" me to go by and make payments. I'm going to stop by there a couple times a week anyway just to look and talk.
 
"If I can't pay for it now, I don't need it." Actually that was my fathers voice but I still live by it.
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That was NOT the philosophy of my parents ... and I've learned from their mistakes.
I either buy something or I don't, and I'm fairly sure that my wad of cash is better at getting me deals than any layaway or credit plan, because I'm making a deal for right now and helping the shop/table/seller get uncluttered.

Pay yourself the layaway money, in whatever method you prefer (I like not spending $10 bills, myself) and then you have actual bargaining power when shopping time comes around.

gmlga, did you resurrect this thread just to advertise?
 
Oh yeah. MyLGS has a 6 month layaway on anything over $100, 3 months for less than $100. 10% down payment required.

Also if you order something not in stock, make a down payment of $10 or more, thyey order it and call when it comes in. If it sits for a couple weeks and you still haven't picked it up, they'll put it on layaway at no cost to you.
 
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