Abstract: A savings system, method, and apparatus that combines benefits of a layaway payment plan, a traditional Christmas savings bank account and individual savings accounts and also are able to take advantage of merchant promotional offers. The system for saving for an internet purchase has no membership or service fees to end user and includes an adjustable electronic savings structure that permits at least one end-user to create at least one flexible electronic layaway account for a topic of savings. The end user has flexibility as to how much to save, when to save and for what to save, including the ability to change to a different topic of savings. The topic of savings is a good or tangible service and not a financial instrument such as installment payments of debt, investments, retirement accounts, tuition payments, or favorable governmental tax treatment saving programs.

Abstract: A savings system, method, and apparatus that combines benefits of a layaway payment plan, a traditional Christmas savings bank account and individual savings accounts and also are able to take advantage of merchant promotional offers. The system for saving for an internet purchase includes an adjustable electronic savings structure that permits at least one end-user to create at least one flexible electronic layaway account for a topic of savings. The end user has flexibility as to how much to save, when to save and for what to save, including the ability to change to a different topic of savings.