I know it's not even Halloween yet but, we are talking about having an all cash Christmas and I'm challenging each of you to do the same. One way to do this is to utilize programs such as layaway. You do have to know your policies though and make sure it's a deal that really works for you!
I have posted each layaway policy below and you can decide which you like best. I personally like Walmart because if the price drops, they'll honor it. There are pros and cons to each program so check them out below for yourself and let me know if you plan on using layaway this year:
Hallmark (each store has its own layaway terms)