U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Texas > San Antonio
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
Old 08-31-2013, 11:32 AM
Location: Mid South Central TX
3,183 posts, read 7,402,472 times
Reputation: 2188


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.
Reply With Quote Quick reply to this message

Old 08-31-2013, 12:49 PM
Location: San Antonio/Houston
37,541 posts, read 55,155,603 times
Reputation: 88750
^^^ 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.
"No Copyrighted Material"
Moderated forums:
World, Europe, Houston, San Antonio, Tallahassee, Macon, Duluth, Fish, Home Interior Design and Decorating, Science and Technology Forums

Need help? Click on this: >>> ToS, Mod List, Rules & FAQ's, Guide, CD Home page, How to Search
Realtors are welcome here but do see our Realtor Advice to avoid infractions.
Reply With Quote Quick reply to this message
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply

Loading data...
Based on 2000-2016 data
Loading data...

Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Texas > San Antonio
Similar Threads
View detailed profiles of:
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. | Please obey Forum Rules | Terms of Use and Privacy Policy

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top