I came across this ad yesterday and was shocked. The business school side of me screamed at my computer screen.
Layaway is one of the more ridiculous concepts ever created. It is only useful/logical in a handful of situations, the most likely being that a store with high inventory expense requires a commitment from customers to keep something on their shelves. The idea of these women being jealous of their neighbor who just egregiously mismanaged her financial resources in this Sears ad is just patently absurd. However, with interest rates in savings accounts near zero, she fortunatley probably didn't lose much by letting Sears profit off of her money for three months.
"No more puttin' into layaway..."