Wal-Mart Layaway

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Layaway Ripoff
Posted by on
Rating: 1/51
PENSACOLA, FLORIDA -- I am livid!! After me and my mother n law had been Christmas shopping for three hours I get to layaway and am told that only certain items may be placed on layaway AND each item must be fifteen dollars or more. Are you nodding me? I had about 500 dollars worth of merchandise in my buggy and I was not going to let them pick and choose what I could purchase.

So I turned around and walked out the door and left my buggy with my stuff still in it. I was calling the manager on the phone before I even got out the door. A lot of good that done. I was told well that's our policy mam. So I will not walk back in another Walmart and give them a red cent of my money again. I am done with them! I even asked the manager to explain to me why that was a policy and what purpose that served for them. All I got was sorry that's just our policy.

Well Walmart your policy cost you two valued customers that night...me and my mother n law. Also this is NOT posted anywhere in the store until you get to layaway in small lettering on a sign you can barely see.
     
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Alain on 09/23/2012:
They should post their policy somewhere in the store. Walmart's not really worried about losing your business. Their business model is based on low price and volume and not customer service so they expect to lose people to their competition.
Buddy01 on 09/23/2012:
My son works at Walmart and he said that they had gotten rid of layaway because it was a lot of trouble with customers not coming back to pick up their layaways. So it is my guess layaway was brought back with each item having to be $15.00 or more because of this problem. It will give customers more of an incentive to pick them up.
Suzy on 09/23/2012:
Layaway was brought back last year for Christmas purposes only. The tv commercials I saw as well as signs posted at entrances of the stores made it clear the policy regarding the layaway and the times it covered. I have noticed that the commercials I've seen this year don't mention that policy, but since it was in place last year I assumed it would be the same this year.

I do not agree with the layaway policy since it eliminates a lot of choices for gifts. I do not have children to buy toys for and can't afford to give a lot of expensive electronics. But that is their policy for a Christmas layaway and they have the right to set the terms, so I simply choose not to use the program since it doesn't suit my needs.

The store should however advertise the policy for the layaway elsewhere in the store to avoid such misunderstandings but they did nothing wrong with upholding the policy regarding the layaway. It is ultimately the customers responsibility to make sure of the policy before committing to it. If I am unclear of the policy regarding layaway in any store I find out what it is before spending the time shopping for it. It might be prudent to check next time before wasting time.
trmn8r on 09/23/2012:
What you describe has been WallsMart's policy for a while, since before last Christmas I believe.

Layaway can easily cost the store money if not done the right way. As Buddy01 implies, the changes they made were done to minimize those losses while still giving customers the flexibility of layaway. It's hard to please everyone while making a profit.
FoDaddy19 on 09/23/2012:
The policy is as such because people had a tendency to put cheaper items on layaway early and then when the big sales started closer to the holidays, they would find the items cheaper, sometimes at different stores. This left Walmart holding on merchandise that was never going to be pickup it or paid for.

"So I turned around and walked out the door and left my buggy with my stuff still in it. "

That was very poor form. Somebody is who had nothing to do with your complaint is going to have to put everything back. Furthermore their rules on layaway are pretty much spelled out on their website. I was able to find this after about 10 seconds of research
http://www.walmart.com/cservice/contextual_help_popup.gsp?modId=1097364
Ben There on 09/23/2012:
Here is information about WalMart's layaway program for this year: http://www.walmart.com/cp/Layaway/1088466
Jeff on 09/23/2012:
I've never done layaway before, but I thought you have to put a deposit down on the items you purchased and then make payments on it...am I correct? So I don't see why theres a minimum amount....
CowboyFan on 09/24/2012:
If an item is less than $15.00, one should just buy it. The purpose of layaway, my understanding, is so that you could buy bigger items that you could not afford to pay in full, but by making payments would have it for Christmas. Nothing unreasonable about Walmart's policy, but the op's response was certainly unreasonable.
yoke on 09/25/2012:
This is a win win for Walmart. In order to get your $5 fee back you will only get it in gift card form which means you end up spending more money in the store. Years ago I did a lay a way at Walmart. When it was time to pick up the items, which were paid in full, must have the stuff from the boxes were missing. Yes I got my money back, but now I had to do Christmas shopping a week before and all the things that were on layaway were no longer available in stores.
Indy on 10/25/2012:
Walmart's layaway policy is clearly stated throughout the store. Associates also have badges stating "ask me about Layaway". There is no reason for bad behaviour if you have not taken the time to familarize yourself with the policy before shopping for layway. Layaway is intended for higher ticket items and the ability to pay over time instead of charging the item and also having to pay interest. Although frustrating, having spent time shopping only to be told the policy, it is the customer's responsibility to understand that policy before attempting to use the program. The layaway program works exactly as is it supposed to. It is NOT Walmarts problem that you are/were in a hurry and made an assumption. Understanding what the requirements are for using layaway is no different that any other business transaction
Adam on 11/25/2013:
I can assure you that if you left your cart full of merchandise there for some employee to put back, they'll be GLAD that you won't be shopping there again. There's no excuse for that at all.
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Layaway a Joke
Posted by on
Rating: 2/51
EVANSVILLE, INDIANA -- I went to Walmart yesterday to start a Christmas layaway, as I am laying the merchandise on the counter to put in layaway I was informed that if the item does not cost over $14.96 It cannot be put on layaway, no where and I mean no where in the store does it state this policy.If I had known this it wouldn't be so bad even though it is a stupid rule, but I found all the turtle figures my grandson had on his Christmas list and because they were $8.88 Each, I had 8 of them, they couldn't be placed on layaway.I then went to Kmart, they don't have that stupid policy there...
     
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FoDaddy19 on 10/11/2013:
It's on their website

http://www.walmart.com/cp/Layaway/1088466

Items have to be $15 or more in price and the total amount has to be $50 or greater.
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Layaway Hidden Fees
Posted by on
MACON, IDAHO -- My wife and I put up a TV last month. I understand the $5 fee to put the layaway on, besides I used to work for Wal-mart (12 years) and I spent some time in working in layaway. The TV cost close to $1,0000.00 we had to get it out by Dec. 16. Yesterday we saw the TV advertised on the Wal-mart TV for $100 less and we figured we could a different TV for less, so I went to cancel it. When I got up the count I told the cashier I wanted to cancel the layaway and I understood I wouldn't get the $5 back. She then told me, that fee was to put it up the layaway, there's a $10 fee for canceling it. WHAT!!! I told her I was never told about a cancellation fee, it wasn't on my receipt and I didn't see it posted anywhere. She said it's not the recipet, but it's posted in the front and back here. O looked aournd and didn't see it posted so I asked her where (yes, I was getting upset. She then pickes up a sign (copied) and pointed to the bottom in small black letters on a dark background box (you coun't read it). I told her how convient it was they put it in a dark box that coundn't be read. I plan to contact the manager and got all the way to top if I have to with this one.
     
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At Your Service on 12/11/2011:
To me, canceling the layaway is just jumping the gun, so to speak. Why not continue with the layaway but have them reprice the merchandise to reflect the new lower price?

There should never be an ASSUMPTION that a purchase agreement can be canceled or refunded. Legally, there's nothing that says it can. If they'll refund everything but the $15, you're of the hook pretty cheaply IMO.
spiderman2 on 12/11/2011:
http://www.walmart.com/cp/Layaway/1088466
Its all right there, $5 fee, $10 cancellation fee. There has to be some incentive for people to follow through with their layaways.
trmn8r on 12/11/2011:
I'm with AYS on the point that if you have a suspicion you will be cancelling a contract (layaway is one form), you should inquire about what the policy is. There is no law I am aware of that required a retailer to post the policy conspicuously. On the other hand, someone should be able to explain it to you if you ask.

The $5 fee to put this on layaway is to pay for the 5 minutes the CSR takes and the paperwork/accounting needed to place the order, plus profit. The $10 is to pay for the fact that item is taking up space in storage, can't be sold to anyone else, and then maybe is left unsold.
2inform on 12/11/2011:
Doesn't Walmart currently have a price match guarantee where if the price goes down, they give the consumer the difference on a Walmart gift card? If yes, wouldn't that policy apply to this situation?
ChuhBaca on 12/11/2011:
I am currently using their layaway and I did see the $10 cancellation fee. I can't fault them for charging it. I think the best strategy is to shop large ticket items and find the best price. Your going to make yourself crazy if your always second guessing what you paid.
yoke on 12/11/2011:
Agree 2inform, Walmart is advertising that they will price match guarantee when the price goes down. Walmart is winning out with that though. You have to spend the gift card in walmart so in the end you will end up having to spend more money to get the difference. Very clever on their part.
trmn8r on 12/11/2011:
This makes a bit more sense now, I think. If the OP knew that the difference came in the form of non-cash, that would explain wanting to buy a different set (same model) at the lower price. Not everyone is going to be overjoyed at the idea of having a $100 WallsMart gift card lying around - I know I wouldn't be.
Starlord on 12/12/2011:
WalMart has not had layaway for some time, and only instituted it for the Christmas season, as long as you purchase toys, electronics or finew jewelry. It is just like my doctor told me when I complained of hitting the 'donut hole' in my insurance, just a short time agom, there was no donut hole because there was no donut. You could have had to pay cash for the set, or go with their credit card, at 27% interest. Yep, at $15, you got off real cheap.
cgim2012 on 03/10/2012:
$15 bucks? you'd still be saving $85 by canceling, what's the big deal?
Aaron on 01/23/2013:
I have the same problem. My complaint, and it is valid, is that my receipt, the agreement that I signed, says nothing of a cancellation fee. It states on line 7. If you cancel: Your down payments will be refunded. The lay away open fee of 5$ will not be refunded. I will get my 10$...
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Very poor customer service
Posted by on
MT.VERNON, OHIO -- My daughter and I went to Wal-mart and we shopped for about 2 hours, well we were putting in a Layaway, when we got to the layaway dept. we waited to be helped first of all the when "Char" came to the register she looks at my daughter and says loudly $4.26.... We nedd $4.26 to put in you'r layaway with a smart look on her face..Really could you explain. Why you'r shouting this amount at me, maybe Char don't know that I am going through menapause and wanted to just go off on her. Then they messed up and wanted to return my daughters amount that she paid with her credit card No I said it takes 7 to 10 days to get you'r money back my daughter spent $500.00 there and shops there every week I just could not believe that it took them every bit of 30 minutes to get it all taken care of so needless to say I bought nothing there and not going to..
     
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Starlord on 10/31/2011:
I fail to see where menopause enters into this post. As for the person shouting at you, perhaps they are hard of hearing. I and many others are hard of hearing, and as a result, we talk louder than most would, and feel everyone else is mumbling. I am sorry, but I see no attitude here but the OP's.
HonestForSure on 10/31/2011:
I sense a bit of an attitude on part of the OP. You're the one using layaway - the cashier gave you the price. What's the problem; she didn't insult you. Voice inflection sensitive, eh?
olie on 10/31/2011:
Please don't use menopause, or PMS, or your period, as a reason for your poor behavior. As the woman, YOU know this is going on. The other person does not. YOU are the one who can figure out a way to work around YOUR hormones and be a pleasant human being.

I speak as a woman who really hates to hear that it "must be that time of the month" or "PMS-ing today, huh?", when I reprimand others.
At Your Service on 10/31/2011:
Amen Olie!
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How Wal-Mart Management treated me
Posted by on
KENTUCKY -- I have been a Wal-Mart customer for 20+ years, and have always had a good experience with Wal-Mart stores until 9 days ago. My girlfriend had put some items away on layaway for Christmas for her children (she has 2 girls and a boy) and her daughter’s birthday. They were under 2 separate layaways, one for Christmas and the other birthday. We got them out on December 5, 2006 (and there were a lot of them ….51 items in one layaway, 11 in another….we had two carts packed full of items), and took them home. We left them in the boxes Wal-Mart had put them in until two days later when we decided to start wrapping them. As she wrapped them, she marked off who they were for (All the items were gifts for her children). When we started to wrap them, we noticed that her son had not gotten all of his gifts. So we marked the ones that were missing and she contacted the store. One of the assistant managers agreed to lay one of the items up for us. So we went to the store on Thursday evening, we talked with the CSM on duty and told them what had happened and that we had identified a total of 5 items. They informed us we could go back and look for those items. We searched throughout the toy section for over an hour looking at different UPC’s, hoping to identify all of the items. We were able to locate another one of the items; one was out of stock, and 2 of them we couldn’t match up with the UPC’s. So we contacted the manager on duty for assistance. My girlfriend explained the situation to her, handing the manager the receipt to look over. Her comment to my girlfriend was (1) It looks like items you have missing are the higher priced items and (2) Our layaway department checks off each individual item and we don’t make mistakes because we have cameras and (3) she couldn’t let us have the items. My girlfriend tried to explain to her that we had already given permission by another manager to get the items, but my girlfriend didn’t know the manager’s name. I let my girlfriend talk to her and I didn’t say anything. This was at the back of the store where electronics is located, not far from layaway section. The manager acted like she didn’t believe my girlfriend and asked that we wait an hour until someone came back from their dinner break to verify the story. The manager told us someone would come tell us what they had decided. No one did, so we went up to customer service to inquire about it. We were told by the CSM that management had decided against giving us any of the items. So then I asked to speak to the Store Manager. She arrived in a few minutes and asked to see the receipt. I showed it to her; she took my name and number and told me someone would contact me in the morning. The next day, I never received a call so I contacted the store. I asked to speak to a manager and the same assistance manager we had spoken to before answered. She informed me that she would get with the Store Manager and call me back. She never did. I decided to stop by that evening at the customer service desk. I explained to the representative on hand what had happened. She called management and they informed us that they had turned it over to Loss Prevention. She assured me that they would contact me. This was Friday, December 8, 2006. I waited patiently until the next Tuesday morning, when I decided to go back to the store and see if they could tell me anything. When I went to customer service and spoke with a representative, she was very nice. She said she remembered holding one of the items for us and told me to go back and get the other items. I informed her that management was handling it, so she contacted the store manager. The store manager came up to the front, asked me if anyone had contacted me, I replied no. She went on to say that the tapes had been reviewed and that we had gotten our items. I informed her that I had not gotten all my items and I would be returning all of it. She didn’t seem bothered by this and informed me I would not get credit for the items that were missing. Total receipts came to around $970 and the items in questions were around $67. So I went home, un-wrapped all the gifts, itemized and checked them off and took them back to the store. I also noticed that we had received 4 items which we had not paid for (so much for them not making any mistakes). It was raining and cold that day, but it didn’t matter to me.

Once upon a time, Sam Walton had a philosophy of “Satisfaction Guaranteed” and treating the customer right. I am hard pressed to believe that his philosophy still exists in Wal-Mart. I do not feel like I was treated right and neither do many of your employees in that store. All they could do was shake their heads in disbelief at how we were treated. I also think Mr. Walton had something called the Sundown Rule. Management, in my opinion, failed miserably at this one. I can understand not contacting me one time…..but over and over again they neglected to call me or contact me in any way. I certainly hope you can get something resolved. I am out time, money, and respect from a store I have shopped at for many years. I will not shop at Wal-Mart again until they learn to treat their customers better.
     
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Anonymous on 12/14/2006:
1000.00 dollars worth of layaway? No wonder retailers are getting rid of this practice. I worked as a stock clerk years ago, and dealt with layaway, it was a nightmare! Piles and piles of bags and boxes, overflowing out of bins, etc. Likely, they'll find your missing items, after Christmas when everyone else has gotten their stuff out. My advice is to get the lowest interest rate credit card you can get, or a credit union loan, and buy the stuff outright next time.
Anonymous on 12/14/2006:
I concur with the pirate on this one. Why couldn't she wait until she had the cash? Anyone that spends $1000.00 on their kids Christmas gifts must have a few more "dollars" lying around or they just don't understand the true meaning of Christmas. IMHO
Anonymous on 12/14/2006:
"I concur with the Pirate," - words of wisdom.
Anonymous on 12/14/2006:
When you're right, you're right. Remember, a broken clock is correct "twice" a day, big guy.
Anonymous on 12/14/2006:
I find it hard to say but I also must agree. $1000.00 is this good for all year or do they get $2000.00 for there birthday?
Anonymous on 12/14/2006:
There's TWO votes for Pirate, I feel a second star coming on!
Anonymous on 12/14/2006:
Spending is a disease that effects women more than men.
Anonymous on 12/14/2006:
I thoguth walmart got rid of layaway.
Anonymous on 12/14/2006:
I disagree, sheriff. It's about knowing the value of money and how spontaneous one is.
Anonymous on 12/14/2006:
Anonymous on 12/14/2006:
Not if your purchasing a "spellcheck" program.
-sorry kiddo I meant thought.
Anonymous on 12/14/2006:
I was joking. I erased it already.
Anonymous on 12/14/2006:
So was I.
heaven17 on 12/14/2006:
Mr. Mafia, I seem to recall that Walmart was doing layaways through December 9, 2006. Then...no more. Unless that's changed...?
Extended Warranty on 12/14/2006:
Layaway is a joke
Anonymous on 12/14/2006:
It's okay if you go through with it and not have half of the store's inventory on it. When you "back out" is when you get hit with restocking fees and the like.
Nohandle on 12/14/2006:
KentuckyMan, you've sounded the alert if there are any others out there with items still being held in layaway (any store) to check their items against the receipt before leaving the store. I really wouldn't think there was any recourse once you left the store to prove you didn't have the merchandise listed on your receipt.

If your girlfriend put the merchandise on layaway and paid all along, she did better than a good majority of the population who buy, put on a credit card and spend the next 12 months paying it off, screaming "Unfair Credit Card Companies" the entire time.
tander on 12/14/2006:
I have 1000 to spend on Christmas, but I would never spend that much, people seem to forget what Christmas really means. and I HATE Walmart!
Anonymous on 12/15/2006:
Well you won't have to worry about it happening again. Walmart has just discontinued layaways.
KentuckyMan on 12/20/2006:
Personally I had never used layaway before. I usually use cash, debit or credit card to pay for items and many people view me as a good money manager. Regarding how much my girlfriend spent on Christmas in missing the point. The point is how Wal-Mart management treat us. I am having that situation investigated now by upper management by the way. I am confident that they will do the right thing.

I can understand why Wal-Mart would do away with layaway. In our case, we paid for everything at one time. Are you blaming me Pirate for the store's incompetence in getting the order wrong because once upon a time you were a stock boy. What kind of flawed analogy is that? If stores want to help with this I suggest (1) hire people that actually care or/and (2) limit the number of items you can have in layaway or (3) do as Wal-Mart has done and do away with it. Anyone on here own a XBox 360 or a decent computer? If you do, don't comment on how much my girlfriend spends on her 3 kids for Christmas. $1000 for 3 kids isn't outrageous. She spends maybe $150-$200 on birthday, btw. My girlfriend was the responsible one here and not Wal-Mart. She never accused them of stealing from us.

mary123 on 01/24/2007:
Kentuckyman, I feel for you and your girlfriend. Don't worry though, WalMart will not last for long. They are trying to get too big, and that will be their downfall. Try shopping at Target, if you have one near you. They are wonderful! WalMart:Target = Cubic:Diamond. The employees and customers at Target are far superior to those of WalMart. The last time that I went into Walmart, I felt sick to my stomach. So, my best advise to you is to take your $65 loss, and start shopping elsewhere. It isn't worth the headache, in my opinion. Best of luck to you!
ijuakos on 07/24/2007:
"...my girlfriend didn’t know the manager’s name."

Ugh, first major mistake there. I'm actually surprised how much I run into people that say this. I work inbound customer service and in the last month, I can count on one hand how many times people inquired my name over the phone for future reference.

As for the Target comment - they don't have one around here but rumors are they're building one. What makes Target so great?
rayzebby on 10/22/2008:
What I sujest is that if you get now satifaction go higher up the level and another sujestion instead of using credit card what you do is to get a gift card and each time you go to walmart add a few dollars to it and by chrismas time you should have enought money to buy your gifts outright.
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Layaway
Posted by on
CORPUS CHRISTI, TEXAS -- Wal-mart brought back layaway purchase of $50.00 Or more. But what they don`t tell you each item has to be $15.00 Or more before you can put it on layaway so what`s the since of bringing back the program.

Since all my items where not priced at above price I ended up paying for items $209.00 Worth things I should have been able to put on lawaway.
     
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madconsumer on 11/05/2011:
I believe they intended it for people who want to buy high dollar electronics and other items. I wonder if they feel that if an item is under $15, people can afford to buy them immediately.
unhappy999 on 11/05/2011:
I think it is their way of not having a ton of layaway purchases because of limited room to store them.
SteveWiginowski on 11/05/2011:
I was looking at the policy for Walmart layaway.

http://www.walmart.com/cp/Layaway/1088466

Some points that I thought may bring up problems for customers who are using this as a storage facility for Christmas include:

Final payments are to be made by December 16th. Layaway is not available on Black Friday. Layaway items not picked up by the 16th will be cancelled and refunded, less a $10 cancellation fee and the $5 service charge.
Anonymous on 11/05/2011:
I think madconsumer makes a good point about layaways, though I can see what the OP's concern is in spirit.
Tuco on 11/05/2011:
Good comments S Hawking and Madconsumer!
2inform on 11/05/2011:
It's been awhile since layaway has been available, but have minimum item costs in addition to a minimum total is not new. It's just been so long, we've forgotten.
Starlord on 11/06/2011:
They do not have to have layaway. Layaway is a courtessy, and it had been abused for years when WalMart discontinued it. It has been brough back for Christmas only, and only on toys, electronics and fine jewelry. They have the absolute right to make any limits they wish. It is a cost to them, not a money maker.
Mary on 11/06/2011:
Sorry walmart,Kmart has layaway all year long and I use it quite often! People buy a lot of other things besides electronics and toys. Like summer cloths when theres still snow on the ground! K mart gets a lot of my money for this type of service. Oh and lets not forget about school cloths time and and hunting season etc. with the economy the way it is a lot of people don't have 150.00 at aa time to dish out for items they will be needing.
Cc on 11/10/2011:
Why not put aside a certain amount of money per week to save up for school clothes, hunting items, Christmas etc? My walmart has signs all over the store listing specifics for Christmas layaway.
Coilyn on 11/17/2011:
Actually Walmart does state that items have to be over 15.00. The reason for this being is space. I work in a Walmart and the layaway is a nightmare. My store (just 1 store) has over 300k in layaway hanging around the store...
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Customer Needs Are Not Met
Posted by on
FORSYTH, ILLINOIS -- How can your company stand behind its policy to do away with layaways to its customers. I used to work for you and was proud of my efforts as an employee to provide service to every customer not just those who could afford to buy something. By taking the choice of layaway from your customers you have truly attacked the poor and struggling population who use this service to buy things that they cannot afford otherwise. How many of us can afford to come in your store and pay $200.00 for a TV unless we have income tax checks or have won the
lottery. I know I can't and my husband works 7 days a week for a large company. At a time when gas prices are overwhelming the nation, cable companies charge high prices because there is little competition, and Heating bills are sky- rocketing. Here in Illinois my heating bills have doubled to $1200.00 for January and February. The highest I got last year was $600.00 and that was devastating for us on his salary. I had to quit working due to a heart condition. I had two heart attacks and ended up with corpuls tunnel from working for you. I loved my job because we always put customers first. It was not always easy either. Layaway was awful at Christmas time and sometimes the pressure to get the job done made us cranky to the point that a customers suffered. It was hard to have patience with demanding bosses and customers but it was our job to put those customers first. Dropping Layaway was a slap in the face to those of us who struggle from paycheck to paycheck. How can this not plummet your sales?

It was truly a bad business decision on your part and an insult to those of us who were devoted to shopping at your store. How many people have credit cards to charge everything? I do, but I can't afford large items over $100.00. Our country was built on the shop owner who had a heart like Sam Walton did. I can almost guarantee he is rolling over in his grave now knowing what you have done to his stores. You have just made a contribution to the "haves" and the "have nots" are suffering because of it. Congratulations!!!

Sincerely
Grandnana
     
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bill on 03/22/2007:
You can do your own version of layaway at home. Just put some money in jar each week until you have $200.00 and then go down and buy the TV.
Anonymous on 03/22/2007:
bill- Perhaps that will be too much effort for her.:D Anyway it is not like she will die without a TV, if it were something she needed to survive I would understand her complaint.
Ponie on 03/22/2007:
Bill has a very good idea. Better yet, deposit it in a bank where it will earn interest until withdrawn.

Sam Walton had a heart? Yeah, sure. Read his book wherein he says he followed customers around the store with his 'cheerful' greetings and wouldn't let up on them until they bought something. One thing I'll give the ol' coot--he was a d*mned good salesman! More power to him.
MRM on 03/22/2007:
Grandnana, if you really want that tv, you got to make some spending sacrifices such as making your own meals, cut back on driving, get basic cable channels, or wear thicker sweater during th winter. Once you make these sacrifices and you have set money aside, you can finally buy your TV!
spiderman2 on 03/22/2007:
You are briilliant Bill! That is how I save up the money for my vacation every year along with my children's tuition. My very own personal layaway plan.
Sparticus on 03/22/2007:
Spiderman2 - My wife and I do the same thing! We have a jar we collect money in for our vacation spending money each year. Kind of like a lay-a-way for vacations... =)
Anonymous on 03/22/2007:
I have used layaway in the past. I truly don't think it helped me any, except in the case I could let other family members know to not buy that toy (Christmas) for so-and-so, because I already have it on layaway.

I think it's actually easier to save up to buy something you truly want.

Don't some banks still have 'Christmas club' accounts? You could do something along that line.

Anonymous on 03/22/2007:
MRM.. you forgot to mention: get rid of that cell phone!
Anonymous on 03/22/2007:
Layaways aren't cost effective for retailers to maintain.
grandnana on 03/22/2007:
You are so right, how wrong of me to complain and stand up for the less fortunate. I don't here anyone agreeing about Ameren I.P and rate heights by cable companies. Where do you live and work perhaps you are not effected by any of these factors. I was only using the TV as an example. I do apologize though you are right saving is a smarter idea and I can go to a larger town to better stores as well. No disrespect intended to those with legitimate alternatives. Also , I know the cell phones, cable, and heat are for those who can afford it. I don't have a cell phone either and only recently added a home phone so that I would have 911 usage!
*Brenda* on 03/22/2007:
If you are so less fortunate, cancel your cable. You don't need cable to live. I don't understand what is so great about layaway. Can't you just save some money in a jar or something like Sparticus suggested?
spiderman2 on 03/22/2007:
You know, back when I was in the "less fortunate" category, I didn't even have a TV, a cell phone or a credit card. I never ate out, I didn't buy stuff, heck my car didn't even have air conditioning! You deal with what you have and try to better yourself. Layaway won't cure that for you.
Anonymous on 03/22/2007:
I have never used layaway. I've always thought it was a courtesy thing anyway. "However" - I have noticed how products will come and go. I can see short lived products sometimes making it in layaway. Saving up for a product and finally going after it is 50/50 buy if it's still on the shelf or not. I found a bicycle I wanted and saved up for it. When I went to buy it, it wasn't there anymore. This is where Layaway could have worked. The hard fact is, Wal*Mart has done away with it anyway. So? Going to fight Wal*mart?
Anonymous on 03/22/2007:
spiderman2 has it down. Neither did I.
Anonymous on 03/22/2007:
Something here's not adding up.
grandnana on 03/22/2007:
Well I think the "less fortunate thing" has been misunderstood here. I do not see myself as less fortunate because things have been a whole lot worse. I am Thankful for what I have and lucky really. I did use layaway and enjoyed the curtousy of being able to buy something when it was on sale at a lower price. I was just saying I did not have the luxury of walking in and buying a $500.00 computer or a TV for my family. I also bought school supplies and clothes on layaway because you can't always afford to pay the school fees, the light bill and school supplies. I do not shop at the mall much and Nike is not a Brand we use. When I do look around the mall I only buy sales merchandise.
I need a carpet cleaner because I can't take all of my carpet out on the driveway and scrub it although I have taken large sections and refurbished them. New carpet has never been a real choice of mine. I buy rugs from Dollar General. If I was wealthy I would still shop the same way, but no I wouldn't need layaway because I would have savings and such to take advantage of spur of the moment sales in stores. And in defence of Walmart I don't blame them for getting rid of the trailers, I'm sure a lot of employees are happy because I had my first minor heart attack while stressing with no coat on outside trying to unlock a frozen rusty lock and I hurt my back slipping on ice just before that in fact I thought the fall was the cause of the chest pain at first because I couldn't breathe. The second heart incident was pulling a pallet of about 100 or more bottles of bleach so 29,000.00 later I'm still paying hospital bills that walmart chose not to. But despite all that I am still very fortunate because I don't have to die working there like others have.
grandnana on 03/22/2007:
Oh and also I don't have air conditioning in my car or in my house. Neither one works because they are both old and second hand like all of my furniture. My TV shuts off more than it stays on and even though I don't watch it much I would like to watch the weather and the news and relax at night because I also need new glasses and have for several years but I get mine at the Dollar Tree and the same pair cost me twenty dollars at Walmart. I have to have cable to have my phone and my internet service at a cheaper rate that I can afford because I like to talk to my sons who are in the military and my daughters and grandchildren. I could live without a phone and this internet service and TV but do you? Why should I? My internet is my communication to the outside world that I see about twice a month.
Justusryan on 03/22/2007:
Well we don't live without cable and such, but we also didn't come on this website complaining about how broke we are and bashing Wal-Mart for getting rid of layaway.
Anonymous on 03/22/2007:
grandnana- If you can't afford these things and a TV on top of it is not walmarts fault.
grandnana on 03/23/2007:
Why ghostbuster? Explain your advice because your point is not clear to me. Is Walmart not the owner of their own store? Do they not make or change their own policies? Big business has a choice as to who it chooses to attract to its store? For instance they choose to sale games and toys that range from $1.00 to say $400.00 because parents bring their children in a store to shop and they want it on an isle where the $1.00 toy is on a shelf. They want to sale the $400.00 toy more because that is why they are in business to make more money. Now, lets not talk about me here! Lets say it is you and your 8 year old child wants the $400.00 toy for Christmas. Your budget only always your child a $100.00 toy. But, he really wants it and parents really want their children happy at Christmas. You know that now is not a good time, but next month your bonus check is coming and you will be able to afford it then, and for %50.00 the store will hold that toy for you. This allows you more time to get your child what every other kid in the neighborhood has. Why wouldn't that store be at fault if they chose to take that opportunity away from you, their supposed valued customer?
Your neighbor got the good job after college and can afford to buy his kid's toy now and you are paying your own way through college so you got to wait till you get that extra money? Poor people don't have this option because their parents struggled, and their parents struggled, and every generation worked their a-- off. Why? Why does life have to
be that way? Why does your child have to get less than mine if we equally work hard but make different salaries? Maybe I chose to be a lawyer but you loved children and wanted to teach, big difference in salaries, but that choice by you made the choice of how your children will "have" or "not have" the things you want to get them.
grandnana on 03/23/2007:
That store new the lawyer could afford it, expected the teacher would buy it, but new the person who got laid off could not. THAT STORE MADE A CHOICE WHO TO SEll TO AND WHO NOT TO when it got rid of layaway! Walmart thought of profits and yes the price of the trailers and felt they wanted to cut cost and make more money. I only wanted them to see that their choice was wrong and it does effect a lot of people, you would know that if you ever worked at a layaway counter in December. TRUST ME..
grandnana on 03/23/2007:
Lets say all of these people had savings. They all saved all year. They can't get there money till next month or 2 months from now, but it is coming! The store could have helped them all through layaway. If it is your choice not to use layaway, fine, but other people have their choice too. Everyone should be allowed to have the choice and that Corporation is supposed to be supporting its entire community not just you and those who CHOOSE as you do.
grandnana on 03/23/2007:
Where is their humanity and where is yours?
grandnana on 03/23/2007:
What about the hurricane victom who lost their home?
What about the single mom that was abandoned?
What about the mom who had her money saved for a year in her jar hidden in the closet, and someone stole it from her. If the store was holding it: she would not have lost it? What about other people who depend on that stores services? Don't they count? Are they not customers too?
grandnana on 03/23/2007:
What about you ghostbuster? The ten year old who really wanted that toy your neighbor is riding? Don't you deserve to have Christmas too?
grandnana on 03/23/2007:
Your right Pirate it is not adding up because it is wrong!!!
grandnana on 03/23/2007:
I went Vonage too Spaticus and doubted their service at forst but once I got the quirks worked out it was fine. Now I hear my Internet provider is offering it for #20.00 a month. I haven't looked into it though.
*Brenda* on 03/23/2007:
Oh my god. I can't believe you. Seriously.

When Ghostbuster said it's not Wal-Mart's fault you can't afford it he obviously meant that it's not their fault you can't SAVE. Wal-Mart doesn't care who they sell to, as long as they make money.

Layaway is the same thing as you putting money in a jar or in a BANK.

Someone better call the WAHHHHMBULANCE for this lady. She's out of control. Layaway isn't a RIGHT lady. It was a service they provided that they no longer wish to do. Get over it.
heaven17 on 03/23/2007:
The bottom line is that layaway obviously wasn't worth the time and money it took to maintain. I have a hard time believing Walmart or any store would eliminate something that was turning a serious profit.
Skye on 03/23/2007:
How about if everyone in your family chips in for a new TV as a Mother's Day gift for you??? Mother's day is May 13th. Sounds like a good idea to me.
Anonymous on 03/23/2007:
Grandnana-
As the ole saying goes, The rich get richer and the poor get poorer. So, Your point as I figure it, while Wal*mart does away with layaway, thers no keeping up with the jones anymore.
It does look like discrimination against the poor, "Maybe". However, the CEOs of Wal*Mart probably looked at a profit graph and noticed that lay-away ain't helping. I don't think they were thinking about how to inconvience poor folks.
There is another way around your delima. Use one of Wal*mart's "refillable" money cards. Some cards are good for one time around. "USE the REFILLABLE" ones. This way you can continue to place money in that card account on a regular bases. This is like haveing a Wal*mart savings account. After which you can buy the things you need.

Brenda-
Some people can't express themselves so easily. You should be so lucky! ! !
grandnana on 03/23/2007:
Droves of bright college graduates are being sent out into the world every year with a poisoned view as to the requisites of Jeffersonian freedom and prosperity. They are thus driven to approve ever-increasing taxation and regimentation so as to relentlessly expand government power.
Anonymous on 03/23/2007:
grandnana - Well a long time ago I hard that Kmart or target gave up on layaway because people were taking advantage of layaway. Also I have a feeling that your employment has something to do with this complaint. Anyway from your username you are a grandmother or it appears that you are. In all these years did you not learn that life is not fair. A garbage collector probably does more physical work and has more danger in their job than a lawyer, yet they get paid a lot less. So life isn't fair. Also they cancelled layaway because some people bought things on laywawy and never went to claim them. They cancelled the layaway's and called the people but they did not bother to get their deposit back. Some of their records are 5-7 years and for large amounts of money.
grandnana on 03/23/2007:
It was truly a bad business decision on their part and an insult to those of us who WERE devoted to shopping at their store. I don't have to get over it because it is a free country and I am not ignorant I know what all of you meant. So don't sit in your fancy house on your fancy computer talking down to people. Of course, someone who lives on, what was it $45,000.00 or $60,000 to $75,000.00 with NO children could say that. What did mommy and daddy buy your two cars or did your husband own them before you married him. I worked for everything I've got including my college degrees. You have made 530 comments and only 2 reviews. Why is that Brenda? If you don't have anything nice to say, then please don't say anything. "PLEASE respect other members." I know you don't make $45,000 on a Staples salary I have friends your age who work there.
grandnana on 03/23/2007:
A long time ago, what, were you 5 then? you never answered my question...What about the hurricane victom who lost their home?
What about the single mom that was abandoned?
What about the mom who had her money saved for a year in her jar hidden in the closet, and someone stole it from her. If the store was holding it: she would not have lost it? What about other people who depend on that stores services? Don't they count? Are they not customers too? Life is not fair but have you ever gone without Christmas?
grandnana on 03/23/2007:
Thank you Kid-7 I appreciate your nice way of putting things. You have evidently been taught some some respect for others. Yes I am a Grandma and I have two daughters who are 23 and 19. My grandchild is one and I want her to have more than my children did. Her daddy fights for Brenda's right for freedom to throw insults at other people and for all of us to live without 9-11 happening again. They would be happy to spend there last dollar for the child who had no Christmas but they live on a budget too! Both are married to good military men. They both just returned from Iraq. they both have money saved to buy a house so I evidently set some kind of good example even though I can't save Brenda like you do.
grandnana on 03/24/2007:
My father died when I was 16 and my mother died when I was 23.
They could walk into a bank and get any amount of money they wanted but they chose to pay cash or BORROW money from my Dad's saving account for a new (used) truck or car.Then we had to tighten the belt until that money was put back. I guess their ability to save passed me up and went to my children. My father was working at 13 full time to help his father support a family of 13 children. Most of them got college that he paid for but he only got to go to the 5th grade. A common way to live. When my dad died my mother was too young to get Social Security so we had to wait months for all the paper work to get through for our income to start. I never saw my father much because he worked 7 days a week on 2nd and mostly 3rd shift and slept during the day. My dad never believed in going to doctors much so he never knew that his lungs were full of coal dust from the trains and barges. His life insurance was not much so it went to pay off the bills but I had a wonderful childhood growing up on a farm and my father had $2,000.00 paychecks sometimes so we lived well. Like ghostbuster said life is not fair. My dad would have bought me an old car but he died before I got my license so I worked at a nursing home as a CNA until I was married at 19. I had my daughter when I was 23. My husband believed in a stay at home wife and so I raised my children until they started Kindergarten and then I began to work. Jobs were pretty rare where we lived. I watched my sister's children so she could work full time and I worked part time. My husband worked for the prison system 10 years so the bad guys wouldn't steel Brenda's piggy bank. The state had to cut back so layoffs took place and it was 3 years before he found another job during the Reganomics period.
Ponie on 03/24/2007:
grandnana, would you like some cheese with your whine? Would someone please bring out the violins?

Brenda, you're bad, bad, bad for saying layaway isn't a right. Shame on you! :)
grandnana on 03/24/2007:
I never said it was a "RIGHT" DONKEY! It was a "CHOICE" for all people to use should THEY CHOOSE TO! Open your ears and stop Hee-Hawing PLEASE! Oh, and by the way if you and Brenda don't want to "HEAR" and refuse to really see anyone else's point then why are you on here. I expected mature individuals to be on this site! I'm sorry your brain is not large enough to c-o-m-p-r-e-h-e-n-d anything especially the struggling of others. It is aware that you are too self-indulged to understand or care about other people's needs or feelings for that matter. Isn't there enough video games in your toy chest to keep your large head and pea sized brain exercised, perhaps you could better serve your community and the world from that spectrum because you are of NO REAL Value in the advice column. HEE_HAW!!!!
grandnana on 03/24/2007:
Oh and hey guys education and fancy writing does not matter to me. As long as you have a good point and are trying to be mature conversationalists I will always listen and try to advise as best I can rather I agree or disagree with your points and reviews and I respect those of you who are here for that reason! (look at that run-on sentence) I'm sure most of you will figure out what I'm saying though.
Anonymous on 03/24/2007:
Well grandnama some people make money in vegas.
Anonymous on 03/25/2007:
Grandnana-
With all due respect, isn't true that a person shouldn't lower themselves to their rivals with invalidations? Isn't that like putting oneself on the other's level? My Folks used to tell me that all the time. Isn't the other component - What goes around, comes around? or how about - Stand fast, be humble or speak up and remove all doubts?
Your whole point was your frustration over Wal*mart putting a stop to "LayAway". If you go to Wal*Marts webpage, I guarantee you theres a CEO's email address you can used to contact him and explain your delima. Then come back here and tell us how it went. Regards.
Justusryan on 03/25/2007:
Wow, this got way out of hand, didn't it? Hurricane victims and no more lay-away? =(
Anonymous on 03/25/2007:
Justusryan, yeah. WAY out of hand.
grandnana on 03/25/2007:
You are so right Kid-7, that is what I said to myself the first numerous times I replied and tried to explain myself when I was being attacked. It just got out of hand because I was frustrated. My email told me I had a CONSUMER RESPONSE and
I get on here to insults on my character instead of legitimate responses from real consumers. I apologize, "TWO WRONGS DO NOT MAKE A RIGHT." If you re-read my Letter you will see the point at hand was being directed to the walmart Ceo' Customer Service Department. It came to this site by accident unfortunately. I did not care what any of you thought, selfishly, and I am very sorry for the mistake at hand. It will be corrected soon I promise!
grandnana on 03/25/2007:
Grandnana, you are a very intelligent human being and you are wise beyond your years, you have worked hard your whole life, you do not deserve to come on this website and waste your time. You will not get any better responses than the one I am giving you now. So, PLEASE PROTECT your health and walk away from this site right now while the "gettins good." As your only true friend here, you have way too much to due to waste your time here. Look at that SUN SHINING out there go to it!
grandnana on 03/25/2007:
Wait! SLOW DOWN GRANDNANA! There is more real Advice from me to you. This is an answer you can really use! No! I promise it is true just take time to listen! You are an Educator yet you refuse to listen to all of your own advice!
grandnana on 03/25/2007:
"OK!" "WELL, (pausing) WHAT?"
grandnana on 03/25/2007:
Well, you know last week you were depressed and upset because your carpet cleaner was broken and you need a new one to clean your carpets! That is when you wrote this silly letter! Right?
"YES, THAT IS TRUE!"
Don't forget about that refinancing loan you will be getting soon...You can use it to get the carpet cleaner and the TV you want!!! How about that? You can even get a bigger TV if you want! You know you don't believe in gambling! Don't even think about that idea! That money can stay in "your jar" for your Granddaughter's education and car at 16! That saving change idea has been out there for centuries! You know you already new that one, P-l-e-a-s-e! Get Real here!
grandnana on 03/25/2007:
Yes. you are right Grandnana I did know about that, I just didn't want to be rude and hurt someone else's feelings then by saying anything.
grandnana on 03/25/2007:
Well, I know that is the real you G. You are thinking more clearly today. So go outside and take that new puppy of yours for a walk. You can clean carpets later. And TV, PLEASE! You know you don't watch that often enough to care? What you need weather for? You can walk outside and see if its cold and you can look out your window and tell it aint rainin dude! why you trippin? You know your going to refinance to remodel your house and weatherize. You just got to wait until then! You can keep yourself busy until then. You know you and your friend Tom next door got plans for this summer. You know he is over there just waitin for you to come outside! Remember your supposed to hold that later for him so he can climb up and fix his broken security light. He wants you to be safe "G," parking in his drive and all!
grandnana on 03/25/2007:
YES, that poor man is my age and he has suffered his whole life with that Cerebral Palsey. It makes me so sad! I sure wish I had the money to help him buy a new light. What are they $20. bucks? It is sad that he is treated like that by our government and his family who locked him away, they all need shot for sure! That makes me so mad! Don't even get me started on that one!
grandnana on 03/25/2007:
Your right "G" you got to get outside. He woulda been at your door to help you at 5a.m. cause you know he don't sleep in late like these dudes here do. You got more important things to do...I can't believe you even got on here this morning with that sun shinnin out there! YOU CRAZY OR SOMETHIN Girl? Look at you! You seen how much time you wasted the past few days on here? GIRL GET A LIFE! THESE DUDES EVIDENTLY AINT GOT ONE DOIN THIS JOKESTER JUNK!
grandnana on 03/25/2007:
OMG, your right "G"! You're right "G" but what are you doing talking all street savy and all. YOU aint young and u sure aint Black yet. OMG, I'm doin it now too...what u doin to me homes...I cannot even rite no more dude!
grandnana on 03/25/2007:
That's my g! Go on outside that suns callin ya g!

The reason your thinkin and talkin Black and street savy is cuz u fillin them rays g and that's what color u want to be...B-L-A-C-k-! Yo that's the point here:D....get outside "G"
grandnana on 03/25/2007:
You don't have to tell me twice"G." I listen the first time! I'm gone my neighbor lives on $500.00 a month what am I complain bout. Got to go, it is not easy cachin up with the Jones in my neighborhood. They lucky they was born that way and they no what I say is true...I jus wish other folks could see that homey....catch ya on the flip side dude! I'm G-O-N-E-! PEACE OUT!
grandnana on 03/25/2007:
Back at ya! LATER "G"!
Anonymous on 03/25/2007:
bored grandnana:D
Anonymous on 03/26/2007:
Must be a "GrandNana Convention" here. Looks like everyone is going by the same name. Hay Grandnana! Slow that line down, make your guests use their own nick names. J C !
Justusryan on 03/26/2007:
Does anyone else think grandnana is an idiot? Anyone else want to have fake conversations with themselves? Now I see why grandnana worked at Wal-Mart and loves lay-away.......
heaven17 on 03/29/2007:
Now, now, Justusryan. I wouldn't grandnana an idiot.
Psycho, yes.
But not an idiot.
(You know how psychos are when you call them idiots.)
grandnana on 03/31/2007:
Everyone who does not agree with your opinions is Psycho according to you.
grandnana on 04/01/2007:
You know how children are when you contradict them too. They know it all at 10. Such a large amount of Wisdom in pea-sized little brains.
rainy_k on 04/01/2007:
Have you watched "Wal-Mart: The High Cost Of Low Price" -- if even a portion of this documentary is accurate, that should be enough to keep you out of Wal-Mart forever, especially with you being a former employee. I have not stepped foot into Wal-Mart again since watching this documentary, I can't imagine what it must be like to actually be an employee. Wal-Mart doesn't care about you, me, its employees, Wal-Mart cares about lining Sam's family pockets with more cold hard cash.
grandnana on 04/01/2007:
Could you tell me more about this documentary rainy_k...I have not seen it but would be interested in seeing it! Where would I find it? Please and thank you for your input!!!
Justusryan on 04/02/2007:
Well, I know more than a Wal-Mart employee anyway.
rainy_k on 04/02/2007:
You could probably get it at any movie rental place, I ordered it through Netflix
Anonymous on 04/08/2007:
actually grandnana you went psycho on March 25th addressing yourself over and over again. You had an argument with yourself. So tell me who won.
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Walmart doing away with Layaway!
Posted by on
Just got word from my sister who works at Wal-Mart that they are doing away with Layaway! boy are they going to be losing a lot of money that way..........
     
Read 35 RepliesAdd reply
User Replies:
Anonymous on 09/14/2006:
Layaways are kind of a thing of the past. The time and trouble of storage, maintaining the books, and physical labor involved have made the profits not worth the effort.
rhondam718732 on 09/14/2006:
Didn't know they had it...
Anonymous on 09/14/2006:
What?1? Are you sure this is true? Now how in the H am I going to do my Christmas shopping?
DORCAS on 09/14/2006:
Have you ever seen the lines going towards the layaway during Christmas time? It's half the customers in the store. It's like the reverse of returns after Christmas. I'd rather pay upfront or God forbid, charge it rather than stand in a layaway line. God bless those employees that have had to work there, I'll bet they'll be glad with the end of this crazyness.
Anonymous on 09/14/2006:
Ah, Dorcas, that's when you hit the layaway early in the a.m., or very, very late. And, you put stuff on layaway in late Oct, or early Nov. But, alas, my husband said he saw this was true via CNN this morning.
Nohandle on 09/14/2006:
I recall years ago some people actually utilized layaway because they had no place to store or hide Santa for the kids. Picked up the merchandise Christmas Eve after enjoying free storage for several months, plus having grabbed the lastest toy before it sold out.
Anonymous on 09/14/2006:
Ba, Hum bug!!
Nohandle on 09/14/2006:
A prime example I neglected to mention was in the case of a former neighbor. She purchased 3 bicycles for her kids one Christmas, added the extra cost for assembly, and had them all put on layaway. She certainly had the means to pay for the bicycles, just didn't have any place to store them and didn't want to be bothered in the meantime.

She apparently didn't mind standing in line to pick up that free rental storage merchandise. I wouldn't have done it, but it obviously didn't bother her.

I fully understand why stores are putting a halt to this practice. There's no profit in it for them.
Nohandle on 09/14/2006:
Lid, shame on you...Ba, hum bug. Why that's the time of year everyone goes out and fights over the last toy available in whatever is the big thing that season, treatens another human for that particular parking spot he was eyeing, shows his behind in the store and so forth. My, my I can't imagine you saying that! lol
Anonymous on 09/14/2006:
Lid, It's BAH HUM BUG
Anonymous on 09/14/2006:
Thank you SloMo.. It's getting closer to Christmas and I get nervous...
Anonymous on 09/14/2006:
Nohandle That’s what I’m talking about. The last Christmas I ever celebrated was in 93 when I was in a K-mart or was it a Wall-mart, anyway I was going for a simple set of blinking lights and this young woman with her maybe 1 year old baby in the basket, ran up behind me, rammed into me, knocked me about 6 feet away while I was half bent over to pick up the lights. Then she grab the lights like there was no tomorrow, looked at me like I was a bandit, didn’t say a word and just turned and walked away. I got up and was thinking of breaking her neck when it hit me, “this is what it’s all come to, I don’t need this anymore, ever again.” I felt a great weight lifted off of me, put everything back on the shelves and have never looked back. The End
Frenchie on 09/14/2006:
Yes it is true and took effect Sep 14th. Yes it was a big expense for WM (and other stores) People would buy and then cancel for many reasons and if it went on sale they definitely canceled. More troubling to me (as I don't use layaways any place) is WM signing an Alliance with the Gay & Lesbian National Chamber of Commerce to promote "diversification" and also same sex benefits, plus trying to get their suppliers to take the same route. I know that I and many others have stopped buying from WM. It was okay to keep the policy as it was, but to go and sign this Alliance is wrong and an affront to Christians and Jewish and many others.
Anonymous on 09/14/2006:
Frenchie its because of Rosie and it also is an affront to me.
Nohandle on 09/14/2006:
Lid, been there, done that with Christmas shoppers. Life is too short to be caught in the middle of the fiasco.

Lid and Frenchie both...we've gotten a little too "politically correct" for my taste. I'm from the old school in that I respect anyone's position on whatever their agenda might be. After all, it's America and we are free..thank God..to express our own views. I, however, resent like H*** a minority dictating to the majority what I and everyone else will do.

Those, wiser than I, might offer some insight because I really don't understand how it has come to this.
Anonymous on 09/14/2006:
Nohandle, I'm not wiser, but I feel like some are trying too hard to please ALL of the people ALL of the time. Ridiculous!
DebtorBasher on 09/14/2006:
Liddy: "young woman with her maybe 1 year old baby in the basket, ran up behind me, rammed into me, knocked me about 6 feet away while I was half bent over to pick up the lights. Then she grab the lights like there was no tomorrow, looked at me like I was a bandit, didn’t say a word and just turned and walked away".....Liddy, I knew we've met before! How the heck are ya doin????
DebtorBasher on 09/14/2006:
I didn't know Wal-Mart still had lay-away...if I did, I would probably have shopped there more...it wasn't too long ago that I mentioned on a thread about credit cards, that they should bring back the lay-aways...but they've done away with them so they can push their credit cards.
Frenchie on 09/15/2006:
DebtorBasher -you are correct about the credit cards and/or shopping cards that WM wants the customer to add to every week or month and then they will have enough money on the card to "pay cash" -- the nice thing is WM is using this money and full well known that many of the cards will be lost and if used, if a small balance of a few cents
remain, the card is tossed. Think about the money WM and others make on these cards. WM makes over 6 million/yr just on cashing checks. Regardless I have quit buying because of the Alliance with the Gay/Lesbian Chamber of Commerce. I
cannot compromise my Christian beliefs.
Anonymous on 09/15/2006:
Frenchie: They will tell you now you are ignorant because of what you believe but don’t get depressed because the real ignorance is in not knowing the deference between a Man/Woman verses Man/Man or Woman/Woman. The Gay/Lesbian Chamber of Commerce would have you believe that it is a natural way of life and would shove it down your throat or use your kids to prove it. I say an ignorant man walks down the railroad tracks, at night with sunglasses and headphones on. This country was not founded on the principle “anything goes.”
bigbangerik on 09/15/2006:
I love the fact that I live in a country where Frenchie can say things like that and I can hate him for it, and niether one of us is wrong! God Bless America!
CrazyRedHead on 09/15/2006:
I am one of the ones that uses layaway as it is intended. Although most of my shopping is done there, I don't limit myself to only WalMart. It is very helpful, especially since I don't have any room to hide anything here, especially with 5 nosey kids. I have learned to get to the store either very early or late so I don't have to get in the long lines. There is no one else here, where I live, that has layaway. Kmart, ToysRus, Target, etc... doesn't have it. Everyone has financing, but when you have poor credit, you can't and layaway helps out tremendously. So, I am one of the ones that is going to miss it.
Anonymous on 09/15/2006:
Frenchie I'm with you man but the Addmin of this sight has no sense of "God Bless America", "Freedom of speech”, or anything else to do with an "OPEN" forum. You may say what they want you to say nothing more. You will be deleted if you say anything else, so I believe this addmin is composed of a bunch of gutless, spineless cowards who try and manipulate words if they don’t line up with there agenda. This comment will be deleted soon because they can’t even answer the questions I ask. So when you say “, it's America and we are free..thank God..to express our own views” just remember NOT on here. Second try.........
Frenchie on 09/15/2006:
Lidman you are correct and I don't know if you were able to read the post that I wrote just before yours of 9/15 and
yes it has been deleted and I don't know why except that I said why I wasn't shopping at WM and it was because of the Alliance. I did not think this site was like that, they should only ban profanity and vile personal attacks Regardless I will not chaange my deep beliefs
Frenchie on 09/15/2006:
To all posters -- I complained to 3cents about my post being removed (see Lidman & Frenchie above) and they posted my complaint and re-instated my post of 9/15. I have to compliment 3cents for this.
Anonymous on 09/15/2006:
Frenchie what the heck does your opinions of gay people and their lifestyle have to do with lay away anyhow? IMO your comment (right or wrong) did not belong.
Anonymous on 09/15/2006:
amaniR (09/15/2006)
"Frenchie what the heck does your opinions of gay people and their lifestyle have to do with lay away anyhow?" amaniR that is your opinion and not mine, I think it fit perfectly.
DebtorBasher on 09/15/2006:
Everything ends up as a gay issue on here anymore.
Anonymous on 09/16/2006:
Could "GAY" mean "HAPPY?"
Anonymous on 09/16/2006:
I have just received a reply from Wal-Mart(I contacted their customer service to complain about getting rid of layaway). You may still place items on layaway this year until Nov. 19th, with pickup by Dec. 8th. Just wanted to let you know!
tander on 09/16/2006:
I believe a lot of lower income families use lay aways as a means to buy Christmas presents and it's going to be difficult for them to buy presents for their snot-nosed kids, just kidding, but they can always shop at K-Mart they have lay-away.
Anonymous on 09/17/2006:
Tander, just for clarification, I don't reside with a "lower income family". My entire extended family posts a list of "wants" for the season, via email. When I have put something for the nieces and nephews on layaway, they are aware of it, so a duplicate item won't be bought. 'Nuff said.
takeitforwhatitsworth on 09/22/2006:
Ya know some of you people are pretty pathetic, myself being a mother of 3, who recently lost everything in a house fire, and a daughter whom I miss terribly, and do not think I will ever get over it, planned on using the layaway program this year, (glad they are at least doing it until Nov 19th). We have had to start all over, pay for a new house, land, start all over, and I will not lie, its been very hard. Some people have no other choice, and want their children to have a nice Christmas, and this program allows them to put a lot of items on layaway, pay it out, and still shop at other outlets for items Walmart does not carry. Shame on all of you who mock people who have financial problems for WHATEVER reason and do not have 1,000 dollars just sitting in their banks ready to shop for their entire family. I believe, if anything, Walmart should start charging a bit for the interest, a nominal fee if you will for the storage, etc. I do not think this is to much to ask, and I would gladly hand over fees to help out with their handling and storage, and a lot of times I will pay for the gift wrapping service to feel like they have made a little extra off of the sales, lets not forget that all those lines of people have PAID for their merchandise, just not the traditional way, and a sale is a sale, no matter how aggravating. Make changes to the program to suit the cost of handling and storage, Just my opinion. Thanks.
abobo on 09/29/2006:
Lidman, the first amendment to the constitution of the United States of America merely prevents the government from passing any laws that abridge yours or any other American's right to speak freely, including criticize the government and assemble peacefully in a public place. It does not extend to private messaging systems such as this one, where the owner of the site decides what is acceptable here. Why do you gripe about someone denying a freedoms you fundimentally don't understand?
jompster on 12/27/2008:
Actually, Wal-Mart saves money by not having layaway. I handled all layaway paperwork and auditing for a store in Oklahoma for about six years, and it's not worth the time and effort it takes.

Also, looking at it from a business standpoint, retailers like something called inventory turnover. That is the number of days it takes to receive an item, market it, sell it, and pay for it. The quicker an item turns over, the quicker they get paid for it, claim the profit, and order a new item to restart the cycle.

Layaway items do not count as "sold" until the layaway is fully paid for, so layaways are items "in inventory" sitting around for two months (60 days), and that is inventory they can't replenish.

Think about it. Axing layaway makes perfect sense!
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