Sure is a GREAT idea!
My favorite Christmas pay it forward is to remember my sr. citizen/less fortunate neighbors in Maine [where temps are gonna be in single to below 0 degrees next week] - so I make a conrtibution that gets one of them a whole bunch of heating oil to make sure they are warm and toasty for Christmas!
If ya can't pay off a lay-away, maybe you can make a payment for someone who is delinquent on theirs.
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Not sure if I have free time...or if I just forgot everything I was supposed to do!
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