Here I’m talking about the old lay-by method. More people are seeing the value in putting a deposit on an item and then paying it off in instalments. This way you can build a good reputation with the store (as one client has) and you value and appreciate the item more once you’ve paid it off and are able to collect it. The other advantage is that if you change your mind you don’t lose all your money. Sometimes you won’t even lose the deposit because you can put it towards something else. Indeed, instant gratification doesn’t have the benefits mentioned above. In fact “I have to have it now” is one habit that will push you further along the path to poverty.