Wal-Mart Ending Its Layaway Program

[xo_kathy]

Originally Posted by Kevin

She turned down the child support, so I guess she's at least partially at fault, yes? Also, could she not have tried to find a better job?

Credit cards are not a must, but a bank account/debit card? Not too hard to come by. Yes, if you write hot checks, that could become a problem, but writing hot checks is pure mismanagement, don't you think?

Yes, that's why I clarified it about the child support. But the point is, your original comment seemed a bit "you mismanaged so suck it, idiot". I was pointing out that it's not always over-spending for the hell of it.

And she acutally had a good job. But considering she had never had to put her college degree to use becuase she and dad married right after college - as was the norm in those days - you can't exactly walk into Goldman and say "Hey, I'm a smart person with a college degree. Hire me for 100K a year". Seriously, that was a dumb comment.

And thanks, 33, for realizing that debit cards did not exist when I was growing up. And, Kevin, my mother did have a checking account (her good job was at a bank actually), but at that time a lot of places refused to take a check if you didn't have a credit card.

And whoever said, "Can't you just move to where things are better?" Another dumb comment. If you don't have a decent amount of money coming in, how the hell are you supposed to pack up all your stuff and haul to somewhere new? It takes money to put down for rent and things like that.

Seriosuly people, there are people in the world who don't have an upper middle-class influx of cash coming in. Things aren't always as simple, or easy, as your life is.

[shinerbock]

Alright, so we've established that some people in the world do go to wal-mart, some use layaway, and some do it for reasonable purposes...while this is all nice, I really don't see why we should criticize a company for making a business decision. I mostly only go to target anyhow.

[Exquisite5]

Originally Posted by shinerbock

Alright, so we've established that some people in the world do go to wal-mart, some use layaway, and some do it for reasonable purposes...while this is all nice, I really don't see why we should criticize a company for making a business decision. I mostly only go to target anyhow.

I agree- I personally hate wal-mart. There are always too many snotty nosed, wailing children running around with parents who refuse to discipline them.

Yet and still, if we are going lamblast wal-mart for ending layaway and its insensitivity to the poor, lets applaud for its efforts to lower prescription drug costs. http://www.foxnews.com/story/0,2933,214935,00.html At least this is something that helps those who earn lower wages to get necessities. Hopefully, they will soon expand the program.

[KSUViolet06]

I hate WalMart. Target is way better anyway.

[AChiOhSnap]

Originally Posted by KSUViolet06

I hate WalMart. Target is way better anyway.

Ditto times INFINITY.


Okay dumb question alert....
What exactly is layaway? I know it's a way of deferring payment, but how does it work? I've heard of it but I've never actually seen anyone use it (or the process...or whatever it is???) and since really only shop at Target for my necessities I've apparently never been exposed to it.

[Drolefille]

You take your stuff to the counter, and say, i'll put it on layaway, you may have to put X% down. Then each month you pay a certain amount until you pay it off. Often used for Christmas presents. The toy store I worked at would wrap all of the presents and keep them, ready for pickup. It's kind of like having store credit, but you don't get the item in advance.

[AChiOhSnap]

Originally Posted by Drolefille

You take your stuff to the counter, and say, i'll put it on layaway, you may have to put X% down. Then each month you pay a certain amount until you pay it off. Often used for Christmas presents. The toy store I worked at would wrap all of the presents and keep them, ready for pickup. It's kind of like having store credit, but you don't get the item in advance.

Ohhh, okay. Thanks!