Christmas is expensive - there's no two ways about it. You can start buying in January to spread the cost, but that doesn't suit everyone, and no-one wants to end up in debt.
It's also great for those of you that have nowhere to hide presents!
Toys R Us run a Layaway service for us parents that have a lot to buy for the festive season.
What we think is great is, that this is no way a credit or finance agreement. You will NOT be subject to a credit check either.
Note that Toys R Us will also Price Match other major retailers, just request it and point them to what site you found the cheaper one on.
How does it work?
Simply fill your basket (in store only) with the items you need, and head to the checkout where you tell the cashier you want to do a layaway.
You will be given a form to fill in, but don't panic, it's so that Toys R Us have your details. It is no way a credit check. You will then be asked to pay 20% of the total on the day, plus a £5 administration fee.
Anything you see in store, can be selected for the Layaway scheme, even Games Consoles.
Choose to pay off your items over 4, 8 or 12 weeks. The only stipulation is that you must make at least one payment a month (they don't say how much, so I don't reckon there's a minimum) and it has to be done in store.
You can pay off your Layaway items and pick them up within seven days at any time, without being subject to a penalty charge.
If you need to cancel your Layaway purchases you will receive a refund but Toys R Us will keep £10 as a cancellation fee.