It would be so wise!

I know what you’re thinking. It’s barely Halloween and the Christmas decorations are up. You’re worried because you don’t have a lot of cash or don’t want to run up a lot of debt.

The good news is that some sellers offer layaway to help you spread your payments out. You start paying early and they hold on to your gifts until you pay them off. But bear in mind that layaway fees and policies can vary a great deal. Check them carefully before you sign up.

Source: FTC Scam Alert Feed
It would be so wise!