by OkamiKodomo » Thu Jan 26, 2012 8:24 pm
I <3 layaway, but only ever put a doll on layaway if you know for sure you'll be able to make the payments on time. If you miss a payment with most dealers, not only will you not be able to place another layaway with them, but you'll forfeit the money you've already paid! Some places will work with you within reason, so long as you communicate with them, (a lot of dealers are small businesses, with only a handful of people working there, so there's the benefit of dealing with 'the human touch' rather than an automated system) but don't abuse the system.
As for saving your money, it's been suggested to me by..... DollyKim, I believe it was, to print out a picture of the doll you're saving for, and put it in your wallet, wherever you keep your money or bank card. Then, every time you go to buy something, you have to explain to the dollieh why buying that item is more important than they are. Or you just feel guilty. It's a great help to prevent impulse buys.
Another thing I do when trying to save, is when cashing checks, I always get cash back before depositing the money into my bank account, and put it in a little metal box at home. I never bring it with me when I go out, so that way I'm not tempted to spend it. Essentially, it functions as a piggy bank.
Too many dollies to list. Check my profile if you wanna know who's who!