Giving up smoking – what you can save and how you can do it

Iona Bain

Are you a smoker? If so, you probably know that giving up is the best financial decision you could make all year.

But just how much cash could you save by giving up the so-called “evil weed”? The figures vary depending on how much you smoke and whether you use roll-ups or cigarettes. But Ash Scotland has put forward a ballpark figure for those smoking twenty a day, based on an average price of 32 pence per cigarette – a whopping £2,300 a year.

That means a family with earnings of £18,400, with both parents smoking 20 a day, are seeing ONE QUARTER of their whole income go up in smoke every year.

And that’s not all. You could also feel the burn of higher insurance premiums if you keep puffing away. According to, smokers could pay up to £2,970 MORE than non-smokers for a combined critical illness and life insurance policy if they want to insure themselves for £150,000 over 25 years.

Yet it’s never been easier (or cheaper) to give up. A 30 year old smoker who stops today and lives for another 45 years would avoid wasting £135,000 over a lifetime. Smokers are entitled to all kinds of help from the NHS, and it was announced this week that e-cigarettes will soon become available on free prescription.

And in case you need an extra incentive, we have two inspiring stories of people who have quit using different methods – and never looked back.

To read the rest, click here

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