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Layaway, by contrast, fosters virtue: it forces you to save, because if you don’t make the payment you don’t get the product. It’s what psychologists call a “commitment device,” a way to get yourself to do something that you want to do but know you’ll have a hard time doing if left purely to your own devices.Christmas Shopping, Credit Cards, and Layaway : The New Yorker Added on 2011-12-26 07:59:51 by factorAdded on 2011-12-26 07:59:57 by factor
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