Saving money is becoming more important for Americans, especially with the holiday season coming up. Along with the savings clubs, a number of retailers have put more of a focus on their layaway programs as consumers try to find a way for budgeting out holiday shopping. Both K-Mart and Sears have expanded the presence of their layaway programs on their websites. There are a number of other ways managing money can be made easier during the holiday shopping season. Consumers may consider starting their shopping early, which may lead to some discounts on shipping. Also, people may consider picking up a second job in order to find some debt help.