This Week's Question

Kathryn writes
I am needing to by an item that is reasonably expensive and more than I can afford in one hit. I was wondering whether you recommend putting items on layby. Purchasing this item by layby will mean that I don't have to fork out for the full amount in one go and can pay it off in instalments. Thanks in advance.
Do you have the answer?

If you have a suggestion or idea for Kathryn let us know. We'll enter your answer into our Tip of the Week competition, with a one-year membership to the Cheapskates Club as the prize too.