Saving money seems to be a national hobby at the moment considering that there’s a recession on. A lot of people don’t really know how to look after their finances properly and this is why they’ve got into debt. Luckily people are realizing they need to learn how to save money and that there are even healthy ways to save money.
For those who smoke, quitting this disgusting habit is going to save them a lot of money. In more ways than you might expect. Sure, cigarettes cost quite a bit of money, however there are also hidden costs that most people don’t discuss.
For instance, did you know that smokers actually earn between 4% and 10% less than those who don’t smoke? It’s difficult to know exactly why this is however there are at least a couple of possible reasons. One of them is that many people don’t get paid for sick days and because smokers get sick more, this will have a detrimental effect on their overall income. Also, there are many employers who simply won’t employ a smoker because they tend to get ill more often. They also tend to take more breaks during the work day then non-smokers which also makes them less desirable as employees.
Health insurance companies are also not very keen on smokers because of their tendency to get ill. The more often someone gets ill and makes a claim on their insurance, the less profit the insurance company makes. Therefore health insurance for smokers ends up being a lot more.
It’s not just health insurance companies who don’t like smokers. A smoker will end up paying more of their homeowner’s policy too. This is because a lot of house fires are caused by smokers who fall asleep whilst holding a cigarette. Also, children in a smoker’s home is going to have easy access to matches and lighters they might use to cause a fire.
So if you have the horrible habit of smoking these “cancer sticks” you need to think long and hard about what you are doing. There are so many health issues on top of all the financial issues mentioned above. So do yourself a favour and quit today.
![Luminox - Quandrum, Silver Dial w/Date, Leather Strap [Misc.]](http://ecx.images-amazon.com/images/I/41A6PTP4TdL._SL160_.jpg "Luminox - Quandrum, Silver Dial w/Date, Leather Strap [Misc.]")
