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This Christmas will be a very hard one for many families. With the economy they way it is many families are having a hard enough time coming up with enough money to pay their bills. Christmas will be a be a very big strain on many people's budgets.

Years ago many stores had lay-away and that was how a lot families purchased their gifts. It gave people the ability to set things aside and then make payments on them. Through the years most stores have gotten rid of their lay-away programs.

The only department store that you can still find it is Kmart Lay-Away . Kmart knows that the state of the economy has many people unable to get credit cards or they have credit cards that are already maxed out. Lay-away gives families the ability to make payments on things so by Christmas they can have them paid off and ready to bring them home. It also helps you be sure that you get what you really want as gifts. When you have to save until the last minute you are only able to buy what is left at the store. We all know how fast some things run out before Christmas.

I was checking out the Kmart website today and found some neat things. I forgot how many nice things they have for good prices. Everyone loves a good deal.

The kids are already making Christmas lists so why can't I? I would really love a stand mixer.