Yup Christmas is nearly here and I’ve not even thought about shopping. Mostly because I was looking for a second job just to be able to make ends meet while living on my own so I knew that there was little chance of having money for Christmas shopping. Now that we are back to two paychecks I still don’t imagine I will be doing much shopping outside of gifts for Matt, Misty and the parents. I know there are many other families in a worse position than ours who also have children to buy for. I can imagine the frustration of not knowing how you will be able to make Christmas special on a budget. Buying those big ticket items can be the hardest because it means having the full lump sum all at once. One way around this is to use Kmart Layaway to take the bite out of those big ticket items AND help keep your spending on track with your budget.

With Kmart Layaway you can make a payment every two weeks for the next 8 weeks. Spread your purchase out without a credit card or interest accumulating.

Kmart has all the hot electronics, gadgets and toys for this season and they have black friday prices in effect NOW!

Combine a sensible layaway plan with the continued decline in retail sales and you should be able to stretch your dollars this Christmas. Stores will be doing anything they can to get you into their stores to spend your holiday dollars with them.