Consumers haven't increased their use of layaway plans this year, despite incentives from retailers including Kmart, Wal-Mart and Toys R Us, but the programs are proving important to a certain group of shoppers. Layaway users tend to share several common characteristics, including lower incomes and a higher level of optimism about the economy, according to NRF and BIGInsight.
What do layaway shoppers have in common?
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