Give up cigarettes to Save Money

http://www.effectsofsmokingcigarettes.net/2013/09/quit-smoking-to-save-lots-of-money.html
Give up cigarettes to Save Money
Health isn't the only factor in why people are planning to give up cigarettes now or in the near future. The cost of smoking has a direct impact on their way of life, limiting the amount of money they may be able contribute to the living expenses associated with the household.

Smoking is definitely a expensive habit, and it is worse whenever you smoke more than one pack on a daily basis. Smokers may start off smoking relatively few cigarettes on a daily basis, but as the addiction goes on, they start upping how many cigarettes they must use every single day to be able to feel the mood enhancement, so the cost of their habit goes up accordingly until they make the decision to give up cigarettes.

At this time, you can easily calculate the funds you spend by figuring out how many packs on a daily basis you smoke and multiplying that number by 365. That's your monthly cost associated with the nicotine habit, which will fall to zero if you give up cigarettes instead.

For example, if you're in a state where a pack of cigarettes is approximately $3.58, and that is low compared to many state prices, but you smoke one pack on a daily basis, then you're racking up a $1,306.70 a year habit.

Wouldn't you rather give up cigarettes and do something extravagant with $13,067 in ten years than have health complications from a smoking habit? Needless to say those that are up to 3 packs on a daily basis in a state where the cost of cigarettes is well over $5 per pack, see an even bigger impact on their finances.

If you decide to give up cigarettes a pack per day today and put the funds you're using toward cigarettes into a 401(k) that earns you a minimum of 9% interest, then you'd have a quarter of a million dollars within the next three decades.

If you don't give up cigarettes, then you'll also be paying other costs associated with your habit. For example, smokers have a heftier bill for teeth cleanings and dry cleaning, just to get the stains and odors out.

Until you give up cigarettes, you're also plagued with higher insurance costs because health care providers know the impact smoking causes in the health economy of our nation.

Need to sell your vehicle? If you've been smoking in it, you won't get as much for your trade-in as you would if you had give up cigarettes. Plus, studies have shown that smokers earn less and risk being unemployable by companies with a no-smoking policy.

These costs don't even factor within the healthcare costs associated with smoking. Whenever you consider the health impact smoking has, the cost is even greater. Give up cigarettes for your health, but also to reduce your financial waste and put that money toward your lifelong dreams.