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Old 08-31-2013, 11:32 AM
 
Location: Mid South Central TX
3,183 posts, read 7,402,472 times
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Quote:
Originally Posted by pr57001 View Post
They don't do layaway to make money on the layaway, they do it to get the sale vs a competitor that offers layaway. I can't even contemplate the need for layaway: is it for people not disciplined enough to save their own money, yet disciplined enough not to go into debt to buy something they cant yet afford? Or is it for the bottom the barrel that have exhausted all ways to go into debt, yet are still trying to buy things they can't afford?

While I see what you are saying, layaway is a better option than taking out a payday loan, or putting it on a credit card if you cannot pay it off in full before interest accrues.

Perhaps a person cannot afford to pay $150 all at once, but they can afford to pay $20 per week. Sometimes your needs don't match your cash flow. In this way, they can take advantage of sale prices as well.
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Old 08-31-2013, 12:49 PM
 
Location: San Antonio/Houston
37,541 posts, read 55,155,603 times
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^^^ I agree, but still wonder why people MUST have things they cannot afford? If there were no layaway or credit cards, people would have to learn how to curb their appetite, save for things they need and don't buy stuff they don't need.
Layaway at HEB for their worthless China made junk is going to work only for the same people who look for this kind of transactions somewhere else. HEB's may not make much money on it, but they are not a charity either - some retailers levy a nonrefundable fee for setting up layaway, or charge late pay fee, in some places you can't return those items, and when the price drops, most layaway stick to the original price, also some stores charge a fee or even keep your fee if you can't continue making payments on the item. So, they are going to make money some way or another.
I think if someone needs something really bad, he needs it now, not in a month or two. If someone can wait so long, then he doesn't need it that bad.

What I am worried is that HEB will shrink grocery stock even more to make space for toys, clothes, small appliances, garden stuff, furniture, bicycles etc.
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