Today is Cyber Monday, which has come off the heels of both Small Business Saturday and Black Friday. However, due to supply shortages and rising costs of goods and services, some are tightening their belts a bit for this holiday season. Richard Peterson is from Capital Financial Group, and he joined the Ray Horner Morning Show to share some tips on how to spend money wisely this time of year. Peterson says there are definite ways of saving cash throughout the year, and depending on a person's credit, they can pay for some goods on layaway. He also warns the younger listeners on the dangers of swiping the credit card.