Yeah....that's the kind I'm no good at! Love being able to sling a few bucks every week or two. Makes it so much easier. Been living credit card free for 4 years....I'm a huge fan of the secret lay away!Yes, I paid a deposit up front to hold my place in line. Then when the jacket was ready, I paid the rest. What I was referring to was actually more of a self-regulated savings program over the course of the waiting period.