I do not have a problem with someone using a lay-away plan. As has been stated here, most lay-aways require money down and full payment with 60 to 90 days. If you have a problem saving any money for a gun purchase, how are you going to make payments. Can you get it paid off in 60 days? Can you afford to lose your down payment if you cannot come up with the money to pay it off? Personally, I would not want to take that risk. Here are a couple of ideas to think about. Is your paycheck electronically deposited at your bank? If so, go to your bank and set up a savings account. Then have your bank automatically transfer whatever sum you can handle each time a your paycheck is deposited. If you do not have electronic deposit, you can still do the same thing and every time you take your check to the bank, have some moved to your savings account. When you get enough in your savings, go buy the gun you want. You DO have to show some self discipline here. One other "easy" way to save money is to get a big plastic jug and cut a slot in the lid. Every time, and I mean EVERY time you come home, put your pocket change in the jug. You would be surprised how quickly it all adds up. Even better, you could do both things at the same time.