In an effort to stay away from credit card debt more consumers may be using layaway.
Kmart and Burlington Coat Factory in Mishawaka both offer layaway programs and say they've seen a bump in business.
Typically layaway works when a customer puts money down on an item, continues to make payments, and then picks it up later.
It's an alternative to maxing out a credit card and forces customers to budget for what they buy.
"I don't want to say the economy bad but I want to say people are budgeting more and the best way to buy something for Christmas is layaway," says Maurice DeArmond from Burlington Coat Factory.
"It does bring in business and I think the customers love it. I would think the other stores would want to pick it back up especially around Christmas time," says Diane Truax, a sales manager for Kmart.
Layaway plans aren't free. Most stores charge a fee for setting aside the merchandise, and ask for a down payment.
Plus, there's a two week payment plan involved.