I know people who always complain they don't have enough money, and people who owe credit card debts. But these people have $$$ to buy cartoons of cigarettes! I have been wondering how they can buy cigarettes and just ignore those debts or go on without saving in their bank account?
At the time of writing, a pack of cigarette of 20's can easily cost about RM7. If a person smoke one pack a day, he is spending RM49 (RM7x7days) a week just for cigarettes alone. In a year, he's burning away RM2548. That's provided there is no increment in the cigarettes price. Wouldn't it be good if he uses the RM2548 to settle his credit card debts?Or start saving for his emergency account? That RM2548 will do a lot of wonder over the years.
If you're smoking, try to drop this expensive and unhealthy habits. If money is not an issue for you, think about the health part. Smoking is not only not good for your own health but also bring harm to your loved ones (spouse, children, parents). You don't want to see them suffering from being your second hand smoker, don't you?