Toys R Us joins the layaway game...

Toys R Us announced today that it will join Sears and Kmart in offering layaway for Christmas. These promotions have been really popular with cash-strapped consumers. But be sure to read the fine print on this one:

"Placing a product on layaway at any Toys"R"Us or Babies"R"Us store requires a deposit of 20% of the total purchase, including all applicable taxes, and a $10 service charge. Payments may be made at the store at any time in the form of cash, check, credit card, debit card or gift card. Merchandise will be made available within 7-10 days of final payment, so items must be paid for in full by December 6 to ensure that the gift is available for pickup before Christmas. A fee will apply to canceled layaway orders**."