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'Tis the season to address our debt

‘Tis the season to spend more money than we have in our wallets.
That may explain why layaway is making a mild comeback this Christmas season.
Before the Great Recession entered the national landscape, layaway had been discontinued by everyone but Kmart who looked quaint for keeping up the tradition.
However, Sears and Toys R Us and their sister chain, Babies R Us have reentered the picture with some qualifications on the type of eligible items. Toys R Us and Babies R Us have mostly just bigger ticket items such as outdoor play equipment, video equipment or strollers.
That’s ...

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