Layaway, A Popular Option as eLayaway Enters Household Names

Military families as well as federal employees have a new opportunity this season to pay cash (not debt) for Christmas.

eLayaway is an online layaway financial services company that has partnered with Centralized Strategic Placement (CSP) to make this possible.  CSP's Exchange Shopping Program (CSPEX) include active and retired U.S. military and other Federal employees authorized to shop at AAFES (Army & Air Force Exchange Services) and other U.S. Department of Defense online stores. Additionally, eLayaway will be offered to CSP's retailers, distributors and manufacturers.  (See Article)

Walmart is joining other retailers in offering layaway. 

A surgence in traffic is increasing because of the economy when it comes to layaway.  Perhaps more people are being smarter about their spending behavior or have lost much and are financially strapped to make ends meet this season.  Whatever the case, it is a great financial alternative to the credit card.
As those who have taken Dave Ramsey's Military FPU will say, it is best to stay out of debt, and this online elayaway option fits the bill for those seeking creative financial ways to accomplish financial budget goals.

eLayaway is a publicly traded company. It's FREE to join.  A few of their affiliates include the Apple Store where you can make payments on a new Ipad2 for as low as $72.50 per month.  Others include Best Buy, Joanns (for those crafty people!), Bass Pro Shops, The Disney Store, and many more. 

A neat idea is to pay from $2.19 to $9.91 a month for a gift card good for retailers such as Walmart, Target, Talbot's, Best Buy, Marriott, Budget or even Applebee's.  Gift cards are a popular present to give, and by making montly payments, it doesn't blow your budget. 

Giving the gift becomes two times better since you are giving you and your family the gift of staying debt free while affording a nice gift.  Of course, giving the gift of your time and yourself is priceless.