Many retailers offer layaway programs during the holiday season. These programs allow customers to make a down payment on their purchase and then make incremental payments over time before picking up their items. Some popular stores that offer layaway during the Christmas season include Walmart, Target, Best Buy, and Toys R Us. It's a great way to spread out the cost of gifts for those who may not have all the funds available upfront. Just be sure to check the terms and conditions of the layaway program to make sure you understand the fees and payment schedule before signing up.