MoneySavers don't smoke!

MSE_Martin · 3 January 2006 at 5:46PM

Smoking is extremely damaging to your wealth. Let's look at the basics

Smoking itself is costly

Here's the simple equation to work out how much you spend at current prices:-

Number of cigarettes you smoke per day on average

x

£90

= Annual Cost

1 cigarette a day is £90
10 cigarettes a day is £900
A packet a day is £1,800

Yet the hidden costs are even bigger

In my book the Money Diet I examined the real cost of smoking (p.74 to 76 of the new edition), by looking at the increased amount you have to pay on standard financial products due to being a smoker. The important thing is smoke once in a year and you're a smoker, so while you may not be spending on cigarettes you are costing yourself in other ways.

By the way, if you're thinking of lying about smoking, it gets worse. If you get a smoking related illness it can invalidate all claims, not just smoking claims, and is potentially fraudulent.

So what's the additional cost?

If you had term assurance, critical illness, private medical insurance, permanent health insurance then typically you'd pay £23,000 more on them as a smoker during your lifestime than a non-smoker.

Once you're smoke free for a year - get new quotes for all products

Yet as soon as you're one year smoke free then you're a non-smoker and the costs drop.

MoneySavers Stop Smoking Together!

The aim of this thread is simple, to get smoking MoneySavers to quit together, plus discuss all the cost effective ways they can help each other. Now if I'm honest, I've never smoked, so I can't talk about how to quit, yet there are many current and past smokers here. My hope is working together we can put the cash back in our pockets and away from the tobacco companies.

Click reply to join the discussion, please keep it focused on ways to give up that are cost effective. I'd love to see details on where to buy patches, any useful books (and the cheapest place to buy them), hypnosis details.

If you're going to stop smoking why not pledge your determination here!

To hear this discussed in more detail, watch or listen to Martin's mini-muttering

Martin

queensway_boy · 3 January 2006 at 6:12PM

On that basis i've saved in pure money spent on cigs £21,600 since i jacked em in:j :j :j :j :j :j :j :j :j :j :j :j :j :j

mr_fishbulb · 3 January 2006 at 6:17PM

I costs me less to buy rollies than it does to buy patches.

One of my aims after I get a higher paid job is to get same patches, until then it's rollies on my temping wages.

<-- Yellow teeth smilie

Rikki · 3 January 2006 at 6:22PM

You can use all the patches in the world to try and give up smoking, but if you don't have the inclination or the will power you will never give up.

mr_fishbulb · 3 January 2006 at 6:34PM

Rikki wrote:

You can use all the patches in the world to try and give up smoking, but if you don't have the inclination or the will power you will never give up.

Is that in reply to my post or just in general?

Patches do work for me, but they are more expensive than rolling tobacco.

black-saturn · 3 January 2006 at 7:10PM

mr_fishbulb wrote:

I costs me less to buy rollies than it does to buy patches.
(

Thats what I was thinking. One rolly a day must cost about £50 per year.

scotgirl · 3 January 2006 at 7:48PM

When I lived in Bucks our local Tesco ran support classes with the local authority where you got the patches at a reduced cost for attending the classes weekly.

I know there is a service locally to me in Aberdeen which does the same thing and is run through the NHS Smoking Cessation Team.

Good luck to all planning on quitting!

purplepurple · 3 January 2006 at 7:52PM

copied and pasted from the hypnosis thread.....

At my worst, I smoked 30+ a day.... but one day just stopped. I didn't tell anyone, didn't make a big thing of it, but just took it minute by minute.... then hour by hour... then day by day... and now it's been nearly 10 years since I last had one. If you really want to stop, and being pregnant is the best reason in the world, you will be able to do it. Just don't put the cigarette in your mouth! Just try to get through the next 5 mins without one, then the next 6 mins and so on.... you'll be fine!

NHS Pregnancy Smoking Helpline: 0800 169 9 169
NHS Smoking Helpline: 0800 169 0 169
Quitline 9am-9pm daily 0800 00 22 00

NHS giving up smoking web site
"Together" free NHS one to one help with giving up

If I could do it, you can do it.... I used to dream about smoking.. it was the thing I loved doing more than anything else! I couldn't get out of bed without having a cigarette in the morning....... and now I feel that giving up is the single most important thing I have ever done......

Donn_Amott · 4 January 2006 at 6:09PM

Just bought the Nicorette nasel spray £19.99 for 1!!!! thats got to be an incentive to give up quickly!!

Boots are doing a buy 1 get one half price offer not the most exciting money saving post but what can you do!

cwoolhouse_2 · 4 January 2006 at 6:37PM

Allan Carr's 'The Easy Way To Stop Smoking' is superb.

All good bookshops will stock it.

dgwebster · 4 January 2006 at 8:10PM

I gave up smoking on the 3rd September 2005 as I promised to give up smoking by October to a friends wee girl (she said I wouldnt get to go to her birthday party if I didnt give up, though Im sure she would have still let me in as I had presents, she is 5 after all.) Still I couldnt lie to a 5 year old, so I gave up on the 3rd September 2005.

I started a journal documenting it, at:

http://www.livejournal.com/users/givingupsmoking/

however, I have not updated it in quite some time. Been meaning to do a very big update to it.

Since the 3rd Septembr 2005, I have had one cigarette, the 16th December 2005 and I needed it with good cause that I will not discuss here.

I still want a cigarette every single day, several times a day. I make no lies about it, it will be like this forever. You need to be very determined. But never never see having one or giving in as failing - only a set back, get back up and stop them again. Anyone wanting support please get in touch, post in the thread, join smoking groups.

I went cold turkey, using lolly pops and tooth picks for 4 weeks. My friend used the patches (high strength for 1 week, low for 2 weeks then off them, only very heavy smokers should follow the products guidelines, because those things are a total rip off.)

MoneySavers don't smoke!

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