Times are tough and making it harder and harder to keep up with ever-inflating costs, especially when it comes to food. From shopping at the supermarket to dining out, we're all digging a little deeper into our pockets.

When it comes to groceries, some people are so desperate to afford what they need for themselves and their families that they're putting them on layaway.

We're not talking clothing, a big screen TV, or a sofa but the staples people need to live.

According to a new survey conducted by Lending Tree, more Americans are using "buy now, pay later" loans to grocery shop. In fact, the research shows that 25 percent are using the system to cover basics. That's up 11 percent from last year. Moreover, 60 percent of Americans have reportedly carried more than one food layaway at once.

(courtesy Clay Banks/Unsplash)

In this economic climate people need to do what they need to do, however, financial experts warn that these loans can lead to a "treadmill of debt" because they come with steep late fees if installment payments aren't paid in full or on time. One financial literacy expert advises, "Try to pay these things off as fast as possible, and just not do it again." Speaking with ABC10 Sacramento the advisor goes on to recommend, "You don’t have to wait until you get the statement to pay it…If you get paid every Friday, maybe just take a bit and throw a bit at it every Friday, so you can dig out of that hole as quick as you can.”

Have you ever put groceries on layaway? How has the method worked out for you? Let us know.