My husband and I have been able to participate in some pretty good hobbies by altering choices that give maximum payback.
One example of a choice that can alter a life:
A smoker that smokes a pack a day spends about $5.50 a day or $2,007.50 a year on cigarettes (in the area I am in right now). A couple will spend $4,015.00 a year or $334.58 a month on something that burns away. This same pack of cigarettes could pay for a hobby or a dream that seems unreachable. To carry this thought a little further, most of our friends, as they have aged, have upped their cigarette use to more than a pack a day, costing even more.
Neither my husband nor I smoke and because of this saving in our income, we have been able to obtain a dream of ours; a weekend getaway that is a resort town very near the beach. We furnished it from yard sale finds and from our attic in our main home. It has taken 5 years but it is finally furnished with all of the essentials. Really, who needs a stove in a weekend house anyway? We have so much company during the summer! Our co workers love to come with us for long weekends to fish and walk on the beach. The entire time, they ask us how we can afford this on our income while they puff away on their cigarettes.
So my final thought is: Quit smoking and big dreams can be affordable!
Other ways to save money for dream items is to stop spending so much money on chips, candy, soda pop, cookies, ice cream, alcoholic beverages, fast foods, etc. whether on the go or at home. Limit yourself to one or two 'choices of one treat' a week.
Besides any sort of tobacco products we also waste too much money on frivolous food items that cost a lot of money and are also not healthy in the long run when one thinks about long term medical expenses whether caused by food, tobacco or alcohol.
If you add in the savings you'll realize by lowering your health insurance premium (smokers really do pay more,) there will be a lot you can afford! And without the inevitable "smoker's cough" and attendant health issues brought on by smoking, you can enjoy your walks on the beach that much more.
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