My favorite consignment store has layaway. I use this to "purchase" big ticket items with trade credit.
Here's what I do, I wait until my favorite item goes on sale, so it's already discounted before I ad it to layaway. If it's something that I think will sell quickly, I ask the store owner to call the consigner and ask what "their best price" is.
Since I usually trade in my used clothes to acquire new clothes, instead of taking cash for the clothes I bring in, I have all my sales credits, credited toward my layaway items.
While this sometimes takes longer than if I made regular cash payments to get something out of hock, I'm not out any actual money. The currency exchange is old clothes for old clothes. Also, store credit is always a bigger percentage than what you get for trading clothes for cash, so you get more bang for your trade in.
Not every consignment store will be cool with this arrangement, but it never hurts to ask right?
