Yes, I do have a lay-a-way policy; my policy is: 1/3 at time of purchase; 1/3 at 30 days after the purchase; and final 1/3 at 60 days after the purchase. I do not discount when an item is purchased on lay-a-way. I will accept checks, money orders, Western Union or Pay Pal. I will ship the item after the final payment plus shipping costs. No refunds or returns. As an alternative to lay-a-way; I will accept Visa which in essence is a delayed payment plan for you. Pay Pal also has a delayed payment plan (Visa); check with them on that. Usually, Pay Pal has a box to check if you want to put the purchase on their Visa.
I have lay-a-ways going all the time; in fact, I have a good file system to keep track of payments etc. After the purchase and first payment, I will pack the item and email you with shipping charges.
Honey & Shars’