WalMart and KMart are both offering layaway for shoppers this year. I have never used layaway, but my secretary was very excited about it. She wants to go Christmas shopping for her kids next weekend and buy everything, but she doesn’t have enough money to do it. But with stores offering layaway, she can shop for everything and the store will hold it all for her and let her make weekly payments until the purchase price is paid in full. I think that is a great idea for working, single moms. They can shop at their convenience, know how much money they will need, and budget accordingly.