OK I tried to explain this on another forum. So please bear with me.
Yesterday while I was at a local jewelery store getting a watch repaired, I was told by one of the workers that they take layaway plans. I'm on SSI disability so I can not afford a lot of money on expensive watches, For example there's a nice Swiss Made gold plated valjoux 7750 on a genuine Crocodile Strap, but since I only get paid $654.00 dollars a month, I would need a $ 346.00 dollar down payment, I do have to pay for other things besides watches. For someone like me who would take at least three months to save up $346.00 makes it harder, If I knew about this lets say a month ago I would have already been half way there.