Real Living (Australia) - - NOTED -

Mak­ing it through the fes­tive sea­son without rack­ing up a credit card debt is one of the best presents you can give your­self this Christ­mas. Lay-by may be old-fash­ioned, but it’s a sim­ple way to pay

off pur­chases at your own pace, without un­wanted in­ter­est charges. As an added bonus, your gifts can stay se­curely hid­den out of sight un­til Christ­mas Eve. Just make sure you’re happy with your pur­chases – if you can­cel, you’ll get your de­posit back, but re­tail­ers are en­ti­tled to charge a ter­mi­na­tion fee.

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