**Example of non smoker accounts.**

How many people who smoke even a humble 20 a day realise the true cost?
And don't forget my friends, it mostly goes to the government in taxes. I can't
think of a better reason for giving it up. These are the facts. You can choose
to ignore them and make all sorts of excuses for smoking on. I've heard
them all before. There is **no way **to justify putting your health at risk
to pay this amount of tax.

**The average price of tipped cigarettes is
taken as £4.50 for 20. ** Most people will pay more. I have not
considered the inevitable rise in the cost of cigarettes each budget for
these calculations. The following figures are based on a totally safe government
backed Individual Saving Account which pays an average of 5% interest per year
tax free.

**20 cigarettes per day cost £1642.50 per year.
**If you invested this amount every year, your investment would be worth **
£21,254.26** in 10
years or **£56,260.23** in 20 years. If
you stop now you've a much better chance of living another 20 years to spend it.
Or you could always go on coughing yourself to sleep and put it all up in smoke.

**30 cigarettes per day cost £2463.75 per year.**
If you invested this amount every year, your investment would be worth **
£31,881.39** in 10 years or **
£84,390.35 **in 20 years. If you stop now you've
a much better chance of living another 20 years to spend it. Or you could always
go on coughing yourself to sleep and put it all up in smoke.

**40 cigarettes per day cost £3285.00 per year.**
If you invested this amount every year, your investment would be worth **
£42,508.52 **in 10 years or **
£112,520.47** in 20 years. If you stop now you've
a much better chance of living another 20 years. Or you could always go on
coughing yourself to sleep and put it all up in smoke.