The cotton patch quilt shoppe in East Tawas, Michigan has been offering a lay away program for a long time, you put into your cart what you would like, they cut your fabric and put it aside, charge you for 1/3 of the cost plus the shipping,,,then over the next 2 months they charge the other 2/3, then send you your package..i am always too impatient, have not tried it, when i order fabric i usually want it yesturday ;) but i have a friend who used the program last year to do some christmas shopping...she loved the whole program.