Toys R Us's Xmas layaway scheme – is it all it's cracked up to be?

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'Toys R Us's layaway scheme is hugely popular on Facebook and in the papers as a way to spread the cost of Christmas presents...'
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Read MSE Jenny's full blog: 'Toys R Us's Xmas layaway scheme – is it all it's cracked up to be?'[URL="http://www.moneysavingexpert.com/team-blog/2016/10/17/the-toys-r-us-christmas-layaway-scheme-is-it-all-its-crack-up-to-be/][/URL]
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Don't know anyone who has tried it but I'd be a bit worried about not getting all my stuff back and it being in good condition.
My biggest worry though would be that as other shops have price promotions the items you have committed to at
TrUs will be available for much less elsewhere. If you cancel there is a £10 fee on top of the setting up fee.
Some people may be able to save the £5 fee and set aside the necessary money to go and shop once they reach their total, rather than choosing the goods in-store then saving up for them, but I know budgeting as layaway helps some people.