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I am a smoking; ironically I am also in debt. I have always thought of smoking as an expensive habit, but until today, I never realised the extremity of wasted money. I t really is in comparison to reaching into my pocket, pulling out a five pound note, and setting it on fire.

I scoured the internet for a calculator to inform me of the
cost of my addiction and the results, based on one packet of twenty a day, average price of £5.20, were £1898 a year.

To start getting out of debt, I need to become smoke free. There is help out there to stop smoking, but there are also little known debt charities. Debt Helpshould come in the form of free impartial advice. Stopping smoking is one of the first steps to becoming debt free and continuing to be so.

If you have the constraint not to spend it, how about putting the money every day, that you would spend on a packet of cigarettes in a jar, and watch the money mound up.