layaway plan

简明释义

先付定金

英英释义

例句

1.I decided to use a layaway plan to buy the new gaming console for my son.

我决定使用预付款计划为我的儿子购买新的游戏机。

2.Before committing to a layaway plan, make sure to read the store's terms and conditions.

在承诺使用预付款计划之前，请务必阅读商店的条款和条件。

3.Many stores offer a layaway plan for customers who want to reserve items and pay for them over time.

许多商店提供预付款计划，供希望分期付款预定商品的顾客使用。

4.The layaway plan allows you to secure your purchase without paying the full price upfront.

该预付款计划允许您在不提前支付全款的情况下确保购买。

5.During the holiday season, many families take advantage of layaway plans to manage their budgets.

在假期季节，许多家庭利用预付款计划来管理他们的预算。

作文

In today's consumer-driven society, many people find themselves tempted to make impulsive purchases that they later regret. This is where the concept of a layaway plan comes into play. A layaway plan is a purchasing strategy that allows customers to reserve an item by making a deposit and then paying off the remaining balance over time before they can take the item home. This approach not only helps customers manage their budgets but also provides a way to secure desired products without the immediate financial burden. For instance, consider a family wanting to buy a new television for their living room. Instead of paying the full price upfront, they might opt for a layaway plan. They would typically pay a percentage of the total cost as a down payment, followed by smaller payments over several weeks or months. Once the total amount is paid off, they can finally take the television home. This method can be particularly beneficial during holiday seasons when retailers often offer enticing deals on electronics and other items. One major advantage of using a layaway plan is that it helps consumers avoid debt. In an age where credit cards are easily accessible, it’s all too easy to overspend and accumulate high-interest debt. With a layaway plan, customers can only spend what they have budgeted, leading to more responsible financial behavior. This is especially important for individuals who may struggle with impulse control when it comes to spending. Moreover, a layaway plan can provide peace of mind. Knowing that an item is secured and will be theirs once fully paid can alleviate the stress associated with potential price increases or stock shortages. For example, if a popular toy is in high demand during the holiday season, parents can rest assured that their child will receive it as promised, rather than risking it being sold out. However, there are also some drawbacks to consider. Some retailers charge fees for setting up a layaway plan, which can add to the overall cost of the item. Additionally, if a customer fails to complete the payment within the agreed timeframe, they may lose their deposit or face penalties. Therefore, it is crucial for consumers to read the terms and conditions carefully before entering into a layaway plan. In conclusion, a layaway plan can be an effective tool for consumers looking to make significant purchases without the stress of immediate payment. It promotes responsible spending and provides assurance that desired items will be secured. However, as with any financial commitment, it is essential to weigh the pros and cons and ensure that the plan aligns with one’s financial situation. By understanding the mechanics of a layaway plan, consumers can make informed decisions that benefit their financial health in the long run.

在当今以消费为驱动的社会中，许多人发现自己受到冲动购买的诱惑，事后又感到懊悔。这就是分期付款计划的概念发挥作用的地方。分期付款计划是一种购买策略，允许顾客通过支付定金来保留商品，然后在一段时间内偿还剩余余额，才能将商品带回家。这种方法不仅帮助顾客管理预算，还提供了一种在没有立即财务负担的情况下确保所需产品的方式。例如，考虑一个家庭想要为他们的客厅购买一台新电视。与其一次性支付全款，他们可能会选择分期付款计划。他们通常会支付总成本的一部分作为定金，然后在几周或几个月内进行较小的付款。一旦总金额付清，他们就可以最终将电视带回家。这种方法在假日季节尤其有利，因为零售商通常会对电子产品和其他商品提供诱人的优惠。使用分期付款计划的一个主要优点是它帮助消费者避免债务。在信用卡易于获得的时代，过度消费和积累高利息债务变得太容易了。通过分期付款计划，顾客只能花费他们已经预算好的金额，从而导致更负责任的财务行为。这对于那些在消费方面可能缺乏冲动控制的人尤其重要。此外，分期付款计划可以提供安心。知道某个物品已被保留，并且在完全支付后将归他们所有，可以减轻与潜在价格上涨或库存短缺相关的压力。例如，如果在假日季节某个受欢迎的玩具需求量很大，父母可以放心，他们的孩子将如约收到它，而不是冒着售罄的风险。然而，也有一些缺点需要考虑。一些零售商收取设置分期付款计划的费用，这可能会增加商品的整体成本。此外，如果顾客未能在约定的时间内完成付款，他们可能会失去定金或面临罚款。因此，在进入分期付款计划之前，消费者仔细阅读条款和条件至关重要。总之，分期付款计划可以成为希望在没有立即付款压力下进行重大购买的消费者的有效工具。它促进负责任的消费，并提供保证，确保所需物品将被保留。然而，与任何财务承诺一样，权衡利弊并确保该计划与个人财务状况相符至关重要。通过理解分期付款计划的机制，消费者可以做出有利于其长期财务健康的明智决策。