Geez...thinking about Christmas gifts already and lamenting that her kids just aren't going to "get as much" because she can't lay it away. Well, perhaps it's time to consider not giving so many THINGS at Christmas to her kids!

Layaway, other changes irk Wal-Mart loyalists

Even though most parents are still focused on shopping for their kids’ back-to-school items, Carrie Munns is already thinking about Christmas.

That in itself is not unusual. What is unusual is that, instead of pondering what toys she should buy at her local Wal-Mart, the 43-year-old mother of two is wondering how she’s going to play Santa Claus this year without the layaway option she had relied on.

“It’ll be less, let me put it that way,” she said. “They won’t get as much.”