With Christmas just 83 days away, many folks may have already have started their holiday shopping.
This year several stores have launched layaway programs, some earlier than in years past and others with new incentives.
Walmart, for instance, says they've started their layaway a month earlier this year than last on September 14.
For a five dollar fee, you can use the layaway program, which is a fee you can get back on a gift card if you pay off your purchases by December 14.
In addition to the fee, you must put down $10 or 10 percent of the purchase price, whichever is greater.
A Walmart spokeswoman said last year was the first time since 2006 they opened the program during the holidays.
She said they brought it back this year because customers overwhelmingly asked them too.
Tracy Smith, store manager of the Gray Highway location, says the program helps people pay for big purchases like Christmas gifts, over time.
"We've had a lot of success with people taking advantage of buying electronic devices such as iPads, tablets, things of that nature, that under a normal circumstances they probably wouldn't buy," said Smith.
The spokeswoman said when the company announced on Facebook earlier this year that they were bringing back layaway, they got 71,000 "likes" within an hour of the posting.
Kmart also allows you to place items on layaway and pay them off over time. A company news release said they've cut their service fee both on-line and in stores from from September 7 through November 17.
Kmart also has a layaway available all year long.
Toys R Us also waived its service fee this holiday season, as long you put your purchases on layaway by October 31.
Twenty-percent must be paid up front and the rest paid off by December 16.
Toys R Us offers year-round layaway as well.
Other stores offering layaway include Sears, Marshalls, T.J. Maxx and some Best Buy Stores.