“I participated in a campaign on behalf of Mom Central Consulting (#MC) for MedImmune. I received a promotional item as a thank you for participating.”

On November 17th is the 3rd Annual World Prematurity Day, a day to honor the millions of baby that have died because they were born too early. Each year worldwide there are more than 13 million babies that are born prematurely. More than one million preemies have died just this year from the health challenges that they face from being born premature.

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“This is a sponsored post. I am a Kmart blogger, though all opinions are my own.”

Have you heard? There’s a new condition going around this season. It’s called ‘Layaway Regret.’ Experts describe it as feeling the opposite of the common condition ‘buyer’s remorse.’ Many have experience symptoms of general discomfort, mental anguish and a longing feeling. The main cause of ‘Layaway Regret’ is excuses. Lucky for you, we’ve debunked every excuse in the book:

Excuse #1: I’ve never done Layaway before, it seems like too much effort.

Debunked: It’s all in your head. At Kmart, Layaway is not hard work. Whether you have 1 or 100 items , you can Layaway almost everything on your list without paying a service fee through 11/23. Plus, you can pay in store, online or using a mobile phone. Eight or 12 weeks later (depending on your contract) pick up your items and you’re good to go! Bonus: After you figure out how easy it is, you can Layaway all year round at Kmart!

Excuse #2: I don’t have time during the Holiday season to Layaway.

Debunked: Plan now with Layaway, get your holiday shopping done early, pay for it over time and have it just in time for gift giving! Go ahead and ask your family and friends what they want this year and start making your list. The sooner you Layaway, the better chance you have at getting the hottest toys and electronics locked away before everyone else. Bonus: You can relax over the holidays and avoid crazy lines!

Excuse #3: I’m not a ShopYourWay Member.

Debunked: That’s hardly an excuse since signing up for the Sears and Kmart rewards program, ShopYourWay only takes a few minutes (www.shopyourway.com). You don’t need to be a ShopYourWay Rewards Member to use Kmart Layaway, but you will get MORE. Members earn points on every purchase that can be redeemed next time you shop (look for chances to get more points)! Members also have access to secret sales and extra discounts which helps you stay close to your holiday budget. If you’re opening a Layaway contract as a ShopYourWay Member, we’ll also waive your minimum purchase fee through 9/21.

Now that your excuses have been dismissed, you have no reason to suffer from ‘Layaway Regret’. It’s time to make your list, check it twice and make a Layaway that’s really nice!

I have personally used Kmart layaway before and think its a great option for those looking to get a head start on holiday shopping. Kmart was actually my second job years ago and working in the layaway department was one of my favorite positions there!

Will you be using layaway this year for your holiday shopping?