t.j. maxx, toys r us, sears, just some of the retailers where lay- away has come roaring back to life. >> you can put everything from toys and jewelry, electronics, appliances, everything. >> research that was conducted the consumer listed lay-away as a no. 1 budgeting item for them that helps them plan their shopping for the local someday season especially. >> reporter: and there's a hidden bonus. you do your research and time it just right. >> most of the stores give you the sales price if it goes on sale during the period of time you have it on lay-away. >> reporter: so toys r us and babies r us basically confirmed to us if you lay away an eligible item and it's on sale the day that you pick it up, you get the sales price. we want to lay out the vaty for you and here it is. first -- strategy for you and here it is. go on the web and start looking for the black friday or holiday sale ads that start popping in mid-november. find those items on sale and put them on lay-away. then be prepar