Relax and EntertainRelax in comfortable reclining sofas, sectionals, and recliners from the nation’s best brands at super values. Built with Pride in AmericaSmith Brothers of Berne has built a reputation for crafting fine upholstered furniture that is solid, comfortable, and stylish. The Sleep GalleryOur Sleep Gallery features mattresses by Tempur-Pedic and Simmons BeautyRest. Shop today and save on a great mattress! Beautiful BedroomsShop Cedar Hill Furniture for tremendous values on beautiful bedroom furniture made in the U.S.A. by American Craftsmen. Custom Dining FurnitureChoose your table. Choose a buffet or server. Let us customize and build dining room furniture that fits your style.Layaway is making a comeback — and that's simultaneously good and bad for shoppers. The promise of layaway is alluring. Instead of paying for that shiny red bike or that new big-screen TV all at once, you get to pay for it in smaller increments over a span of 8 to 12 weeks. The retailer holds on to the item for you after a down payment and lets you pay in installments.
Some of the major retailers offering holiday layaway plans for shoppers are Toys "R" Us, Kmart, Sears, Walmart, and GameStop. So what you would have to pay in cash (or put on a credit card, hoping to be able to pay it off when the bill comes), you can instead string out with regular payments over a couple of months. That sounds pretty good. So what's the catch? Many of the stores offering layaway charge a few different fees, and you'll want to know what they are before opting in. Most stores charge a service fee to initiate the layaway. You'll pay between $5 and $10 just for the ability to pay for those items over that span of 8 or 12 weeks. When putting items on layaway, you'll also be required to pay a down payment. That amount also varies by store but is often 10% of the total purchase. The other fee you'll want to watch out for is whether to store charges a cancellation fee. And if you are more than seven days late on a scheduled payment, it is usually cancelled by the store.
Those cancellation charges are often between $10 and $25. Also, make sure to watch out for any store exceptions. Not everything sold in stores is eligible to be purchased under a layaway plan. These exceptions should be clearly marked. Many stores also require that individual items be worth at least $15 each to be eligible for layaway, with a $50 minimum total. Walmart and GameStop offer the fewest restrictions, but even they have issues. The only store in the above list that charges absolutely zero fees on its layaway plan is GameStop. That means that even if you can't make the purchase in the end, you'll still receive your deposit back without being assessed a cancellation fee. Walmart does not charge any layaway initiation fees, but does have one big drawback: It is not accepting any layaways on November 26 (Thanksgiving). That means you won't be able to spread out the payments on those Thanksgiving Day deals. As layaway has roared back, the fees and terms are much better than they have been in years past.
This might make it look like an appealing option as you go about your Christmas shopping. However, there are two reasons that using that layaway plan could cost you much more than just the advertised fees. First, using a layaway plan could cause you to shop more at one particular store. And the more you shop at one store the less likely you are to be comparison shopping via a site like, let's say, DealNews! Second, buying on layaway could cause you to miss the best sales and cost you big savings. Since you're locked into those initial list prices, you'll miss discounts that come later in the season; for example, during Black Friday, many toys will see discounts of up to 60% off. Plus, prices fluctuate a lot during the Christmas shopping season, and you can only avail of those deals by being vigilant and making a full purchase when they pop up. Most of these layaway plans don't allow for price adjustments if the item goes on sale at a later time. Shopping around and avoiding layaway will score you the best prices and help you avoid unnecessary fees.
If you're worried that you'll end up spending too much on Christmas presents with this approach, here are a couple of tips to help you not have a January credit card hangover. Make a goal to not buy anything for yourself this holiday season. 'Tis the season of giving, right? Even if you see the greatest deal on something you have had your eye on, don't buy it! Focus on the presents you are purchasing for others and leave yourself off of the holiday shopping list. You'll be glad you did come the new year. Make a list of people you will buy for and how much you can spend on each. "If you don't think of it as having a finite amount of money to spend, you will spend and spend and be one of those people that owes money next year for this year's Christmas," consumer expert Clark Howard says. Set realistic limits on the number of people you'll be buying for and what you can spend on each present. So, is layaway better than putting presents on a credit card? Layaway doesn't charge interest like credit cards.
And if you can't make the payments, it can't hurt your credit score. Although, not paying in a timely manner on those layaway items will feel like flushing money down a toilet, considering the fees and the fact that you won't then be taking those items home with you. If you can stick to a reasonable budget and pay in cash or pay off the credit card bill when it comes, avoid layaway. You'll score better deals and avoid unnecessary fees. Readers, what do you think about layaway programs? Have you had good or bad experiences with them, or do you try to avoid them? Let us know in the comments below.These Are the 14 Biggest Myths About Black Friday Black Friday Predictions 2015: Inside Info on the Most Likely Doorbusters! 13 Things You Probably Pay Too Much For Shipping & Handling Included**Haul away of your old mattress & box spring is available for $79.99 at checkout. View the Delivery Timeframe Map for delivery timing in your area. Add to Wish List One of our most popular, the Ashton Cushion Firm, offers superior comfort in an exceptional tight top construction.
Your body will appreciate the Sealy Embrace™ Plus Coil, which is wrapped for reduced motion transfer and provides durability and deep down support you need. A layer of gently conforming SealyCushion™ Gel-Infused Memory Foam helps keep you comfortable while you sleep. The SolidEdge™ HD System reduces bounciness and enhances stability. Enjoy a great night’s sleep on the Ashton Cushion Firm.Luxurious Knit CoverFlameGuard™ Rayon FiberSealyCushion™ Extra Soft FoamSealyCushion™ Extra Soft FoamSealyCushion™ Soft FoamSealyCushion™ Gel-Infused Memory FoamCoreSupport™ Center with SealyConform™ Gel Memory FoamSealy Embrace™ Plus CoilSolidEdge™ HD SystemMattress thickness: 13 in.Queen Mattress dimensions:60 in. W x 79.5 in. L x 13 in. Please review your confirmation receipt to ensure you have ordered the correct size bed. If you have ordered in error, please contact customer service. For delivery time, please see the Delivery Timeframe Map After placing your order, please allow approximately 2 - 4 weeks for manufacture & delivery.
You will be contacted for a delivery appointment approximately 2 - 3 weeks from the time of order. Delivery available Monday through Friday between the hours of 8:00 A.M. and 5:00 P.M. A 4-hour delivery window may be required. Delivery day and timeframe varies by location. Standard shipping via delivery agent, in-home delivery with set up on existing frame, signature required. Frame must be already set up and clear of old mattress set. Does not include removal of old mattress by delivery agent. Delivery agent will call to set up delivery time prior to delivery. Delivery is subject to suitable access that allows for delivery to be made without damaging the purchaser's property, the product or jeopardizing the safety of delivery personnel. Please check the measurements to make sure access will be available. In the event suitable access is not available, the delivery agent reserves the right to refuse delivery and Costco will issue a refund. Extraordinary delivery requirements may necessitate an additional fee to the delivery agent.
Please include a daytime phone number in the shipping information at the time of checkout. *Haul away of your old mattress and box spring set is available for an additional fee. This fee will be quoted at checkout. *Delivery is available to Alaska, Hawaii and Puerto Rico. An additional shipping and handling fee will be applied at check out and additional transit time will be required. Locations outside of a regular delivery area may be restricted. Click Here to view restricted areas. To inquire about delivery to these areas, please contact customer service. If you have any customer service questions, order status inquiries, concerns regarding defective product or product operation, please call 1-866-660-7800 and ask for the Customer Service Department related to Costco. Ten-year non-prorated limited warranty covers manufacturer's defects. products can be returned to any of our more than 700 Costco warehouses worldwide. We are committed to offering the best value to our members, with a risk-free 100% satisfaction guarantee on both your membership and merchandise.