Sad, really.
Layaway is a service many department stores provide as a way for a customer to pay for an item over time, if they do not have the full amount all at once.
When is it okay to use layaway?[]
If you're purchasing an expensive item, or if an item is likely to be unavailable if you don't claim it at the moment. It's also a good way to hide an item meant to be purchased as a gift for someone in the same household, until it is needed.
When is it not okay to use layaway?[]
If you're IST, or if you're buying Transformers or Star Wars figures or Hot Wheels or any of that crap. Seriously, get a job if you can't handle $19.95.