The forgotten art of lay-by

September 18, 2012

Bits and Pieces

We live in an instant world.

Communication and entertainment, around the clock, at the click of a button. Instant potato and microwaveable pre-cooked pasta. Everything is speedy, who has time to waste waiting. Waiting? Oh, that’s just so yesterday isn’t it, dahhling?!

People want things immediately.
Never later, or when they can afford them, or when they have saved up. Pull out that credit card, or hire purchase application form, and take it home to plug in and play today. Seems all too easy doesn’t it?

Cast your mind wayyyyy back in time, to a life before 48-months-interest-free-nothing-upfront and remember what we did? I do. Lay-by. Now people do still lay-by some things – like the shitload of toys for Christams from the K-Mart or Big W sales, but, let’s be real, that’s more about not having to find a secure hiding spot from the kids than it is anything else. The true art of lay-by is becoming forgotten in our want NOW, get NOW society.

There are a few reasons to love lay-by ….
1. If you are prepared to lay-by something, then you know that you really, truly want it and oh yeah you look forward to it – it’s called patience, baby!
2. The cost of something is spread out over a period of time into affordable chunks.
3. You don’t pay interest on a lay-by – just a deposit and a bit regularly. It’s great for budgeting and helps to avoid the impulse buying of big ticket items.

But remember the thing that sucked about lay-by? Yep, that’s right, the big pain in the bum hassle of having to traipse to the store with on-schedule regularity until you could bring that treasure home. Well …. not anymore!

Like many of you, on-line shopping makes my heart do the little fluttery thing and now I am so stoked to have found online lay-by. Yep, big ticket items (like computers and holidays and other cool things) that you can pay-off bit-by-bit old school lay-by style. Love it.

Having a read through, it looks like you decide the lay-by length (with the maximum of 52 weeks) and the payments are calculated for you accordingly. Each site has it’s own set of user guidelines, so you’ll need to check out each carefully should you wish to use them.




and also ………



Just putting it out there, that this is NOT a sponsored post and I’m yet to use either of these sites. I am though pretty bloody excited at the discovery of them and am thinking already that this may be just the best way of working to upgrade my computer without¬†trekking¬†the interest-free path.

Have you done an online lay-by before? From one of these places, or somewhere else? If so, how was your experience? I’m interested to know (oh, and excited by the possibilities ;))

It’s Tuesday! So, again I’m linking up with Jess from Diary of a SAHM and IBOT!

Check it out!


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13 Responses to “The forgotten art of lay-by”

  1. iSophie Says:

    O M G.

    That is brilliant!

    Popping in from IBot


  2. Bachelormum Says:

    Yay! What a great idea. I remember going to a conference where Douglas Adams from hitchhikers guide to the galaxy talked about how amazing it would be to be able to pay small amounts for things / for knowledge etc on the internet, then came along iTunes. I’m just waiting for someone to design a scan from our fingerprint that scopes our whole body, gives a number and when we punch it in to the computer it brings up our perfect size to buy clothes/shoes that fit.


  3. Yvette @ DTlilsquirts Says:

    hehe I have heard of these two sites… and although I have never done layby before (ever…) I am an impulse buyer.. I really want an ipad.. and willing to wait for it…

    great lil post!

    #teamIBOT was here to say hello!


  4. Catherine Rodie Blagg (Cup of Tea and a Blog) Says:

    This is a totally new concept for me – but can totally see the benefits! Thanks for the great info!


  5. carmen Says:

    We LOVE layby!! It rocks… how else do you hide enough presents for 8 children???? :)


  6. Emily Says:

    I love layby. I do all the Christmas shopping in the mid-year sales every year and put it on layby. Less for the budgeting, pay in instalments aspect and more for the storage. I’m not going to try and hide Christmas presents for everyone for six months!


  7. BossyMummy Says:

    I am a big fan of layby – helps me to budget and means I can get things I wouldn’t usually be able to afford – Big W lay- by is a godsend for birthdays. Great post :)

    Hello from #teamIBOT!


  8. Mel @ House of Powell Says:

    This is a great idea!! I layby toys in the mid year sales but had never thought about doing it for other things. These websites look awesome :)


  9. Kyla @ Three Quarters Full Says:

    I had a really good chat with the team from myLayby at a brand event earlier this year and it looks so good. If I recall correctly you can layby something and if a newer version comes out you can switch what you’ve paid to the newer version or something like that (check with the site – my memory isn’t the best) so it has massive advantages over store layby. I haven’t used it yet but keep them in mind when I’m buying something that’s not needed right this second.


  10. Stacey Says:

    O M G

    You have revolutionalised my LIFE…


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