A pack of cigarettes a day smoker? – You are turning Rs.1 crore into ashes!

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We all know that smoking is a serious health hazard. Let’s see how it affects our financial situation with a small calculation.

Why is it harder than cigarettes?

Cigarette smokers are well aware of its dangers. People who puff a lot of cigarettes every day are known to suffer from lung cancer, throat cancer, brain tumor, high blood pressure, and daily life becomes hell in middle age. However, when a cigarette is inhaled, nicotine reaches the brain and triggers the release of dopamine, which provides a sense of accomplishment. This feeling makes him go in search of it again and again.

If you give up cigarettes, you will get Rs.1 crore

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If you are 30 years old and smoke a pack of cigarettes a day, it costs Rs.170. 5,100 per month. If a non-smoker invests the same Rs 5,100 in mutual fund SIP schemes that can expect 10 percent compound interest per annum, he will have Rs 1 crore 6 lakh at the end of the next 30 years. That is the miracle of compound annual growth rate. The investment was only Rs.18.3 lakhs. But the return it gave would be Rs.87.7 lakhs. The price of cigarettes is increasing year by year. Accordingly, if you increase the monthly SIP, a few more lakhs will be added to the bank account.

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Well it’s hard to quit smoking completely. Do you mean to cut it in half? In that case, Rs. 2,550 per month will be left. If it is invested monthly for 30 years, it will give 10% return. You will have Rs.53 lakhs. The amount invested is Rs.9.8 lakhs.

Try this to quit smoking!

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Set a date within the next 10 days and decide to quit smoking from then on. In these 10 days, cut down on cigarettes little by little and prepare your mind.

Let your family and friends know that you are going to quit smoking. Especially tell people who are cheering you on for this endeavor.

Many people who quit cigarettes start them again within 3 months. So be careful when you do. Drink hot water when the urge for a cigarette arises.

No tobacco products should be kept at home, office, car and bikes. There should not even be an empty pocket. Dispose of ashtrays and lighters. Start investing the money you save from smoking cigarettes today.

All these are easy to write down. Adherence is like preparing for battle. If you stick to it, there is no one better than you. Just try it for a healthy and luxurious future.

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