Posted at 12:00 AM ET, 12/ 4/2008

Holiday Shout-Outs Via E-Mail

I can't wait to start getting this year's holiday cards. Any day now they'll be shooting through my mail slot, chock full of news and photos of what's been happening with friends and family. Or will that even happen this year? A close family member hinted recently that her holiday greetings would be arriving by e-mail. I was surprised at first and then I remembered spending nearly $100 last year on custom photo cards and stamps. It was a mad dash to get them in the mail so they would arrive before Dec. 25. A lot of effort and money for a card that probably ended up in the trash along with used wrapping paper and bows. So whether you're trying to be more environmentally friendly or watching the budget, here are a few cheaper and even free ways to send a shout-out to your friends and family this holiday season:

Hallmark.com and AmericanGreetings.com offer plenty of free e-cards that you can personalize and even drop photos into. But if you want an e-card without advertising flashing around it and a little more design quality, you can pay Hallmark.com a few dollars to use its Smilebox service. After downloading the program, you'll have access to hundreds of traditional to cutesy cards, including nearly 70 holiday cards. For about $3 you can send a card to as many people as you want that has no advertising, it fills up the entire computer screen and can include a long holiday letter, as well as photos of you and the fam. I found the service super easy to use. AmericanGreetings.com and its affiliate BlueMountain.com offer an annual service for $30 that gives you access to a whole chest of e-cards but they get sent with advertising and I didn't find the designs as appealing.

Plenty of artists have launched e-card services, most of them requiring a small membership fee to send their creations. Some of my favorites include Ojolie.com, whose artist uses Flash animation and hand-painted watercolors to create interesting e-cards for a wide range of occasions and holidays. You pay a $10 annual fee to personalize and send the cards. The site, which has about 50 cards, adds one or two new ones every month. One of my favorites is a card that featured a set of birds putting together a wreath made of berries and pinecones with a soft classical tune in the background. Your personalized greeting would then appear in the middle of the wreath.

I've also been a fan of Jacquie Lawson, an artist in England, who, along with her niece, nephew and neighbor, has designed more than 100 e-cards. Many of her cards, which require a $12 annual membership fee to send, feature animals, including her own dog Chudleigh. One of her newest holiday cards is an animation of a black cat that tries repeatedly to knock a red ball ornament from a Christmas tree. After the cat gives up to clean its paw, the ornament falls on its head and breaks. The card, which also includes a soft classical tune in the background, ends with the words, "Have a smashing Christmas." Both Ojolie.com and JacquieLawson.com let you sample each of their cards before you become a member.

If you have a really good printer, consider a free holiday card template that you can download from a number of sites. Shutterfly offers several designer templates that you can print out at home and then add your own photo. Southworth, a paper supplier, also offers several free templates. Just make sure you get some nice paper for the project.

If you really must send a custom card in the mail and you want a little photo of the family in it, Snapfish.com has the best prices when compared to Shutterfly.com and Kodakgallery.com. A set of 100 4- by 8-inch photo cards will run you $45. Add another $42 for 100 stamps.

What are you doing about holiday cards this year? Which e-card services have you used? How else are you cutting back this holiday?

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Posted at 12:00 AM ET, 12/ 2/2008

Tuesday Tips: Mastering the Bedroom

Some people think kitchens and bathrooms are the most important places in the house. But when I'm house hunting, as I've been doing for the last month, the first room I look for is the master bedroom. What room can be more important than the one where the master sleeps? Unfortunately it's also a room that can be so unappealing if it feels old and weathered. I recently talked to Susan Hale of SpruceUps in Annandale, who gave me a few tips on how to update the master bedroom without spending a lot of money.

Tip #1: It's all about the bedding. Change the look of your bed and you can dramatically change the entire look of the room, Hale says. It doesn't take much either. Even a duvet cover pulled over your old comforter will make a difference. And quilts aren't for old ladies anymore. They can actually be a little more affordable and just as warm as a comforter.

Tip #2: Now is the time to take advantage of bedding sales. Hale recommends the Linens 'n Things liquidation sale, as well as Bed Bath & Beyond, T.J. Maxx, HomeGoods, The Great Indoors, as well as catalogs like Domestications and Linensource.

Tip #3: Those plain wooden round tables you can find at craft stores can be turned into matching bedside tables with nice fabric draped over them. But Hale says bedside tables don't even have to match. In fact, if the tables don't match, you don't even have to match the lamps. "It makes it more interesting when it's not a pair of bedside tables and not a pair of bedside lamps," Hale says. But if you are going with matching tables, the general rule is that the lamps will have to match too.

Tip #4: While you're changing the look of the bed and bedside tables, change the wall color. Painting a bedroom yourself is much easier than tackling a bathroom or kitchen.

Tip #5: The bedroom is where your personal artwork should go. Photos of family, your framed wedding invitation and any other personal mementos can be easily displayed on walls and dressers. Hale says the rule of thumb is that photos on dressers should be relatively small and photos on walls can go a little bigger.

Tip #6: Using the right frames can make a huge difference. If you're buying your own frames for photos and artwork you'll be hanging on the walls, make sure you get frames that don't have the easel on the back. They'll never hang right, says Hale.

Tip #7: That collection of gnomes or any other collection you have should generally stay out of the bedroom. But if you do want to display a few items from your collection, keep it to just a few. "Empty space is just as important as filled space," explains Hale. "It's better to have three or five things grouped together and then nothing."

So what have you done to update your master bedroom? Where are the best places to shop for bedding? Have you found any good deals lately? Be sure to check out Shop To It's tips on updating other areas of the house -- the home office, closets, a child's bedroom, the attic, the basement, the bathroom and the kitchen.

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Posted at 11:00 AM ET, 11/28/2008

We Shop Early for the Love of Tradition

Who says there's a recession? Or maybe the line that stretched across one side of a Target store in Falls Church at 5:45 this morning was just an indiction of how much we need a deal these days. Or do we just like the annual tradition of shopping early bird sales to kick off the holiday season? We may not be able to spend as much this year but doggone it, we're not going to miss the start of holiday shopping.

I stood outside my local Target with more than 100 people waiting for the double doors to slide open at 5 a.m., listening to shoppers exchange stories of what Kohl's was like at 4 a.m. and how you couldn't find a parking space at Wal-Mart an hour later. And some even complained that Target's Black Friday deals, which we only previewed in the weekly circular, weren't as good as other stores. But still there we were, taking part in the annual tradition.

The simple reason why people stand outside a store waiting to be let in at an ungodly hour is to get major discounts on things that may be in limited supply. Hence why some walk briskly or even jog as soon as the doors open, snaking their way to certain sections of the store. That's what stores do on Black Friday. It's almost like an inside joke that they all take part in. "Hey, let's tell people to get here at 4 in the morning when it's pitch black and cold as heck. We'll say we're having a sale and see if they come. Hee hee." But people all over the country don't seem to mind as they early bird shop stores like Staples, Macy's and JCPenney where circulars this year promised major deals on GPS navigation systems, cameras, TVs, furniture and clothes.

I have to admit that on my first Black Friday doorbuster experience, I felt a little excited. Watching people crowd around Target's electronics desk, waiting to get their hands on an iPod or a Guitar Player game was like witnessing a part of American culture. What would the start of the holiday season be without television images of people spilling into the stores when its doors opened on a dark, cold morning? Recession or not we like to shop and get good deals. And we also like to make our loved ones happy with the gifts they pine for. I remember as a kid that one Christmas getting the much sought-after Cabbage Patch Kid.

You'll have people roll their eyes and scoff at your tradition of getting up in the middle of the night to shop. They'll ask you why you do it and declare that you'll never see them out there as my family did when I revealed I would be shopping at 4 a.m. I'm not sure that I'll ever do it again. As the mother of two small children, sleep is precious. But I'm glad I witnessed the holiday tradition that so many people take part in. Traditions give us comfort, which is something we need in a shaky economy.

So do you shop the early bird Black Friday deals? What kinds of deals did you get this morning? Was it worth the trouble this year? How were this morning's deals different from previous years?

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Posted at 12:00 AM ET, 11/27/2008

What Are You Thankful For?

I'm thankful for many things, but as a shopper I'm especially thankful for healthy competition between stores, coupons that are worth at least $1 and don't require you to buy more than what you need, sales that slash prices by at least 30 percent, free shipping, finding the unexpected in the most predictable stores and finding exactly what you need in the most unpredictable stores.

So, what is your inner shopper thankful for this year? Cast your vote or add your own ideas in the comments section. (Be sure to come back to Shop To It on Black Friday and read all about my 4 a.m. shopping excursion.)

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Posted at 12:00 AM ET, 11/25/2008

Tuesday Tips: Shopping on Black Friday and Cyber Monday

Love it or not, Black Friday is fast approaching. It's the official kickoff to the holiday shopping season and people either happily ignore the day or embrace it in all its frenzied glory. I recently tapped into the expertise of Dan de Grandpre, founder and CEO of Dealnews.com, for some insight into what we'll see on Friday and the Monday after Thanksgiving, the day many people hit the online stores. Here are his best tips for shopping those two days:

Tip #1: Before you set out for that Black Friday shopping trip, check the store's online sites for deals. De Grandpre says many stores will be offering the same merchandise and discounts in their online stores as their brick and mortar shops. Checking online first will save you the aggravation and hassle of venturing out to the mall.

Tip #2: Don't wait until Friday for the Black Friday deals. Many retailers will be posting their discounts on their Web sites on Thanksgiving. So check out their sites between the turkey and apple pie. Wal-Mart for one has already posted its Black Friday ad.

Tip #3: Cyber Monday will be the day to get deals at online-only stores like Overstock.com and Buy.com. Smartbargains.com, JoS. A. Bank, Discovery Channel, HSN are some other places to check out on Monday. The stores that are normally the stars on Black Friday, like Wal-Mart and Kohl's, will also have Cyber Monday sales but they won't be as good as their Black Friday deals.

Tip #4: Be prepared for a little uncertainty this year. Normally de Grandpre and other retail experts say Black Friday and Cyber Monday are the best days to shop for the holidays but this year retailers are more desperate than ever so there's a good chance that prices will continue to drop. In fact many retailers are counting on a lucrative Thanksgiving weekend. If it doesn't happen you may be seeing liquidation sales.

Tip #5: The best products to buy on Black Friday will be electronics such as low-end televisions and laptops. De Grandpre predicts that shoppers will be able to snag 50-inch plasmas and 46-inch LCD television for under $1,000. You'll also find some basic, lower-priced televisions for a bedroom or child's room for around $300. GPS navigation systems made by Garmin and Tom Tom will be around $100. And Apple will have one of its best sales of the season, de Grandpre adds. Most of its merchandise from iPods to laptops will be marked down. Best Buy is offering 10% off Apple gear to add a little competition for the Apple stores.

Tip #6: If you're in the market for high-end jewelry like an engagement ring, de Grandpre says to shop online first at sites like Ice.com, Diamond.com and Bluenile.com, print out their prices and deals and take them to your local jeweler. They may be in a position to match the deal. "If you buy it locally, you'll feel better about who's backing it," he says.

Tip #7: Be careful with mail-in rebates and gift cards. Not to be too doom-and-gloom but you never which retailer will go under next. A gift card or rebate may become worthless if the retailer goes bye-bye.

So what are your tips for shopping Black Friday and Cyber Monday? Will you be out there or will you wait until closer to the holidays?

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Posted at 12:00 AM ET, 11/20/2008

To Buy or Rent on Thanksgiving

Turkey? Check. Potatoes for mashing? Check. Ingredients for apple pie? Check. A table large enough for everyone to sit? Uhhh. If I ever hosted my family's Thanksgiving dinner, people would be sitting... well, on the floor. The kids would love it. The adults? Not so much. Here are a few tips on figuring out what to rent and what to buy to accommodate your Thanksgiving guests.

Tip #1: If you're renting one or two items like a table or a set of china, pick up the item rather than have it delivered, says Rita Bloom, an event planner with Creative Parties in Bethesda. You'll save on the hefty delivery fees.

Tip #2: Rent everything from one place. That way if you do need to have it delivered, you'll only have one delivery charge and it'll be easier to keep track of where everything came from.

Tip #3: Don't bother shopping around for different rental prices, Bloom says. If you find one item that you like at one rental place, just get everything else at that same place. "The prices are very close in all these companies," she says. "It's important to find the one item you like and stick with it."

Tip #4: If you rent a table, go with a round one rather than rectangular. They offer more flexibility in trying to fit the most amount of people, according to Bloom. A 5 ½- foot table can easily fit 8 to 12 people.

Tip #5: If you've put all your money toward getting a big fat turkey and you don't want to shell out more for a table rental, Blooms recommends buying a wooden board at the local hardware store that's slightly larger than your current dining table. It can be placed on top of your table to make it wider and longer. Just make sure you get a nice big table cloth or a piece of fabric to cover your enlarged table.

Tip #6: Consider buying disposable china rather than renting real china. These days you can get plastic plates with gold trim that look remarkably close to the real stuff.

Tip #7: Don't forget about coffee. If you have a 8-cup coffee maker but 20 coffee drinkers coming over, you'll be brewing pots all day. Most rental places have coffee makers that can handle anywhere from 25 cups to 100. (Hey, you know what happens when you eat turkey.)

Tip #8: Serving platters are also one of those things that are better bought than rented. You can pick up a large ceramic platter at the Crate & Barrel Outlet for under $15. I saw them with my own eyes.

So how will you accommodate your Thanksgiving guests? Any recommendations on a rental place? Have any of your own tricks for getting around having to rent?

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Posted at 12:00 AM ET, 11/18/2008

Is It About the Experience or the Deals?

One thing I've learned since writing this blog for the last year is that shoppers don't just want a bunch of bananas or a gallon of milk. You want to enjoy the experience of buying those things. At least that's what your comments made me believe when I recently wrote about Wegmans, a grocery store chain that's as luxurious as Whole Foods but as cheap as Giant. Many of you wrote about the good prices at Wegmans but you mostly gushed about the store itself.

Take for example "skipper7," who writes, "As big as [Wegmans is] I feel like this is my corner grocer, especially in the seafood and meat department where Anne knows what portion sizes I look for in a steak or pork chop."

Or "FormerUpstater," who wrote, "At Wegmans, they have a gazillion check-out lines, ALL of which are open, and even though there are thousands of people in the store you never have to wait more than five minutes to start checking out!"

There were gripes about the dirt factor in Giant and Safeway, the long lines, the bruised produce and the less than friendly employees. And those comments are matched with the lack of deals there, too.

That also explains your comments when I wrote about C-mart, a discount store in Landover that recently closed its doors for good last month. You were basically shopping in a warehouse filled with everything from furniture to shoes. People either loved it or hated it. And those who hated it said so because of the atmosphere and the quality of the items. Never mind the huge discounts.

So do we shoppers value the shopping experience over getting good deals? Only if you have the money, says Pam Danziger, a retail industry consultant with Unity Marketing and author of "Shopping: Why We Love It and How Retailers Can Create the Ultimate Customer Experience." The state of our economy will force most people to look for deals, no matter how unpleasant the shopping experience. But families who have the funds to spend a little more will seek out poshness when they run out for a gallon of milk.

"There are consumers who are simply shopping for price because they have to," she says. "There are lots of people who feel this [recession] but they don't feel it as much. They aren't driven solely by price. They'll spend time in a store that is more delightful than going to the plain old grocery store."

So what's more important to you: cheap prices or shopping in comfort? Do you like to hunt for good deals or are you willing to pay a little extra to just pick up an item and go?

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Posted at 12:00 AM ET, 11/13/2008

10 Things You Didn't Know About... Trader Joe's

What's not to love about Trader Joe's? The staff all wear Hawaiian shirts, the store is chock full of unique things to eat and drink and there always seems to be some really good deals. Try shopping at any of the region's 16 Trader Joe's and you'll see its large following of shoppers. Consumer Reports magazine ranked it the second best supermarket chain in the country after Wegmans. And we all know how I feel about Wegmans these days. So here are some things you didn't know about Trader Joe's:

1. In a former life Trader Joe's competed with 7-Eleven. Instead of the unique neighborhood grocery store that it is now, Trader Joe's, which went by Prontos, was more of a convenience store. But in the late 1960s the small chain, which was only in Southern California, was converted to the neighborhood grocery store we know and love.

2. Trader Joe's is 50 years old, started in Pasadena, Calif., by a guy named Joe Coulombe, a Stanford University MBA who has since handed over reins of the company to other smart people.

3. The store carries 2,000 unique grocery items, with at least 80 percent of them exclusive to Trader Joe's. The rest comes from all over the world, except China. The company decided to stop carrying anything made in China two years ago because of customer concerns, according to a company spokesperson.

4. Each Trader Joe's store has its own in-house artist, many of whom have formal training in art and design. So that means the artwork on the signs and other displays is exclusive to each store.

5. Every Trader Joe's has a plastic lobster somewhere in its midst. There's no explanation for it and no one has admitted to starting the trend but each store gets one. And that bell that you hear from time to time is the signal that a food demonstration is about to begin.

Correction: Boy, you readers are good. Thanks to those of you who pointed out my bell mistake. It's true that if you hear a single bell ring in a Trader Joe's store, it means that more cashiers are needed, two bells means a cashier needs a price check, a balloon to be blown up or an item needs to be put back on the shelf and three rings means that a manager is needed.

6. Any product on the shelf can be sampled. Employees are allowed to open up any jar or box to let customers try them. No can do on wine, though.

7. Trader Joe's has its own fan club. The Trader Joe's Fan Club, launched by a faithful customer in 2006, has about 9,000 members who can get 550 recipes and 680 product reviews from its Web site.

8. Speaking of Trader Joe's fans, two of its biggest put together a cookbook called "Cooking With All Things Trader Joe's" that was released earlier this year. Literally every ingredient in every recipe can be purchased at the small grocery store.

9. The company is owned by a family trust set up by Theo Albrecht, the German billionaire who started the grocery store chain Aldi, a store I reviewed over the summer.

10. Trader Joe's total sales reached $6.5 billion in 2007, according to Supermarket News.

Which stores would you like to know more about? E-mail me at shoptoit@washingtonpost.com with some suggestions.

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Posted at 12:00 AM ET, 11/11/2008

A Love Affair With Wegmans Begins

Dear Wegmans,

A crazy thing happened to me this weekend. I fell madly in love with you. I know what you're thinking. Countless people told me to come see you. You even sent me dozens of e-mails, begging for a chance. But I stayed committed to Giant. What can I say? Giant is closer and quite honestly, I courted other grocery stores and Giant was the cheapest. But now I realize that cheap isn't always better.

I finally decided to see you after that one e-mail last week. The one that talked about how you were lowering your prices and how you were trying to save me some money. I appreciate that Wegmans. I really do. I came on Sunday morning, promising to stay 45 minutes to get to know you. But you swept me off my feet from the moment I walked through the door and was face to face with your produce. And I just couldn't tear away from your warm embrace, the dim lights, the nice employees, the cordial customers and that charming little train that kept zooming around above my head.

After discovering your beautiful produce, I turned the corner and found myself in your marketplace section. I didn't even know where I was but I liked it. There were prepared meals, fresh baked breads and muffins, even a place to sit down and have someone prepare a lunch or dinner for us. I stopped by your fresh fish counter and got some salmon for $8.99 a pound. And then I quickly ditched my plan to get frozen shrimp and got a pound of fresh shrimp for $7.99. I passed by your wines and picked up two bottles, one for under $8 and the other for under $6. And then I grabbed a 5-pound package of chicken breast for a little more than $13. I was bleary-eyed and crazy by this point but I knew I didn't want to leave.

I spent more than an hour going through your aisles buying the stuff that I usually get at Giant and more. You offered so much at lower prices and some were the same price as Giant, which I'm OK with. It's just that some things were a little more expensive. Not cool Wegmans, but I can overlook that. We'll just have to work through this. You promised in that little e-mail last week that you were going to work on lowering your prices so I'll be patient. If you stick to your promise, I'll come back, even though it will be a long-distance relationship.

Sincerely,

Me

P.S. Let's not tell Giant about this.

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Posted at 12:00 AM ET, 11/ 6/2008

Sorry SFW, Giant is Still Cheaper

A few weeks ago Shoppers Food Warehouse challenged customers to find a cheaper grocery store. They said they would reimburse customers double the difference in price if they found comparable lower-priced items at a different store. I've written several times in this blog about the best places to buy groceries and I crowned Giant Food the cheapest store in the region. Many of you disagreed, some stating that Shoppers was really the cheapest, especially since Giant's recent re-branding campaign. Some of you challenged the value of the shopping experience, saying Giant stores were less than pleasant. And many of you expressed love and loyalty for Wegmans and Trader Joe's.

In the interest of finding the lowest prices, I took the Shoppers challenge. I recently compared the prices of 15 items, which included juice, meat, crackers, fruit and vegetables, that I buy on a weekly basis for my family of four. I put Shoppers' prices against Giant's regular prices and against their loyalty card prices.

My conclusion: Shoppers is cheaper than Giant when comparing non-sale prices but not by much. I paid 99 cents more at Giant for my 15 items at regular prices than what I paid for the same exact items at Shoppers. But Giant beat out Shoppers, which touts that it doesn't need to offer a loyalty card, when you use Giant's BonusCard. My 15 items were more than $3 cheaper at Giant than at Shoppers because several of the items were on sale. Giant's card is the only way customers can take advantage of sale prices while Shoppers offers sale prices to everyone.

Loyalty cards aside, the average price difference between Shoppers and Giant was about 50 cents. The California Pizza Kitchen pizza and the Green Giant frozen vegetables that I regularly buy were both 50 cents cheaper at Shoppers. The Mott's juice I buy was 10 cents cheaper and a box of couscous was 36 cents cheaper at Shoppers. But Giant won when it came to Laura's lean meat, which was $5.69 per pound at Shoppers and on sale for $4.29 at Giant. Even Giant's regular price was lower, at $5.29. Shoppers' prices on strawberries, blueberries and melons were lower but usually by only a penny. But as I wrote recently, Shoppers does have the best deals on pet food.

I made two attempts to contact Supervalu, Shoppers' parent company, but they didn't return my phone call or e-mail.

Even though Giant's sale prices change every week and I can't guarantee that using the BonusCard will always get me a better deal, I will continue to shop at Giant. While there's no question that some Giant stores have seen better days, the one that I happen to go to is clean, bright and pleasant.

So, do you shop at either of these stores? How many stores do you travel to just to save a few pennies or bucks? Do we go one place to get pet food and then drive somewhere else to buy toilet paper and then make another stop for meats and vegetables? Gas prices have dropped but it's still expensive to fill up the tank. How are you saving money on groceries these days?

By the way, Veterans Day is coming up, which means lots of sales. Here are a few:

-Crate & Barrel Outlet stores have up to 70% off Thanksgiving goodies like cookware sets for $149, cookbooks for $4.95 and sets of three platters for $13.50.

-Nordstrom is having its half-yearly sale on women and kids items. That means 40% or more off clothes, shoes, handbags and accessories.

-In case you haven't heard, Linens 'n Things is going out of business and is trying to get rid of its inventory. All furniture, dinnerware, serverware, decorative accessories, quilts, coverlets and bedskirts are 30 percent off. All kitchen electrics, personal care electrics, vacuums and irons, glassware, lighting and storage are 20 percent off.

-JCPenney has marked down items in every department by 30 to 60% if you shop online and free shipping for orders more than $69. You can stop by the store on Saturday between 6 a.m. and 1 p.m. for more sales and an extra 10% off sale prices.

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Posted at 12:00 AM ET, 11/ 4/2008

Tuesday Tips: Layaway Plans

I hadn't heard the term "layaway" since I was a kid. But then Kmart recently decided to bring back this payment option for Christmas. So if you walk into Kmart and see that TV you've been pining for, you can ask the store to hold it for you while you make weekly payments until you completely pay it off and get to take it home. The store will ask for a fee to hold the item for you. The store says 3.2 million shoppers used its layaway plan last year. "It's a nice idea if you're really trying to keep your household budget in line and not subject yourself to willy nilly spending," says Tod Marks, a senior editor with Consumer Reports magazine. Marshalls and T.J. Maxx offer layaway plans, too. If you're planning on using this payment option, here are a few tips:

Tip #1: Get it in writing. The Federal Trade Commission says you should have the terms of the layaway plan in writing and include things like how much time you have to pay for the merchandise, when the payments are due, the minimum payment required and fees for using the plan.

Tip #2: Don't miss a payment or your TV could end up going back to the sales floor. Find out what your store does if you're late with a payment or miss it altogether. Some might give you a few days of leeway.

Tip #3: Ask anybody and everybody if they offer layaway. Usually it's the big box stores that offer these payment options but smaller independent stores may have their own plans as well.

Tip #4: Make sure you know what happens if you decide you don't want that gigantic TV afterall. Some stores give you back all your money and others charge a non-refundable service fee to put the stuff back on the sales floor. Others may offer a store credit for the amount you paid.

Tip #5: Don't go crazy with layaway. You will want to be able to keep up with payments and if you have too many layaway plans going at the same time, it might become overwhelming. "You want to be able to keep track of all the items," says Marks, who also writes the Tightwad Tod blog for Consumer Reports.

Tip #6: Don't set yourself up for disaster. Make sure you're giving yourself enough time to pay off the item. If the weekly payments are too big, then you may be forced to give it up. Marks says if you're buying a big-ticket item for Christmas, consider putting it on layaway this week to be able to handle the weekly payments.

Tip #7: Layaway is not just for the brick and mortar stores. eLayaway is a payment option with a select number of online stores including Apple, Adidas and The Gap. The site charges a 1.9 percent service fee and will send you the items you ordered as soon as you finish paying it off.

Have you ever used a layaway plan? What tips do you have for using layaway?

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