$20 would be due immediately; this part is nonrefundable, meaning if you back out of the sale after the payment plan has started, you forfeit the initial $20. After that in general I prefer plans to be finished within 6 weeks, so in this case it would be $20 immediately, and then three payments of $95 each every 2 weeks after that (assuming this dress would sell for my asking buy now price) to finish paying by 6 weeks. Paying more initially would lower subsequent payments, and of course there's always the option to just pay the remainder at any time. I ship within 48 hours of receiving final payment. Paypal allows an invoice to be sent now that can be paid in multiple installments, so you would just pay on it there as you're able, and we're both covered by its protection.

As listed in the item description, the charm fell off of the barrette bow during shipping to me. I still have the charm and will send it with the dress and bow, it just needs to be sewn back on.