STUDIO CITY (CBS) — Want to get a way to get a jump start on your holiday shopping, but haven’t quite filled your piggy bank yet?

Consumer savings expert Andrea Woroch says layaway programs are making a comeback. She visited the KCAL9 studio to share some tips.

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Woroch warns consumers to read the fine print on any layaway contract before signing. She also suggests comparing the program fees to your credit card fees. Chances are the credit card interest will be less costly than the layaway charges.

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Consumers should also take careful note of expiration dates. Many stores have a limit on how long they will hold layaway items, and if you miss the deadline, you could forfeit all you’ve paid.

Though it’s hard to part with cash around the holidays, Woroch says not to layaway if you can pay. The fees incurred by a layaway plan are not always worth it if you can pay cash up front and avoid the hassle.

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For more consumer tips, visit Andrea Woroch online.