The next thing I would ask you to do is start encouraging layaways sales. As a manager, as an owner what you need to do is monitor your employees and make sure every time someone is looking at an item they are given the cash price and what it takes (minimum-down) to put that item into layaway. On average, four visits is necessary to close a layaway item out. That four more opportunities, to get a loan, get they to buy something else, put another item in layaway, the more times you can get people into your store the greater success you will have.