Diyisfun says '...not for £ reasons'. But I found I needed a focus .. health was ok.
I looked at the £14 per week approx, on cigarettes ..... The macho part says, "So what, I can afford that and more."
The head said mused ..... £14 per wk in late '93 with bank rate around 5.4%. BS safe investment earning say 6% gross, 4.8% net.
£14 per week would need investment of near .. 14 x 52 / 0.048 = £15,166 to generate an income to fund the smoking.Quite a nice little bundle.
Gave up !!
Began saving £20 pm for extra to normal car servicing, saved the rest.
Never looked back ... I can mingle with smokers etc no problem .. It feels good. .. removed any thought of car diy, and saved money !!
There we go ... lots of reasons (feel good factoring), beside the obvious (health, self and others, etc,etc)!!
P