Save a bunch of money on cigarettes for your investing fund

[Leslie A.]

Of course, the best way to save money on cigarettes is to quit. I know, I know.

But it's not me, it's my husband. He smokes 3 packs a day and is not planning to quit (been married 26 years - he isn't going to budge). At an average of $5 a pack (he smokes the cheap ones), that's $450 a month.

I found a place online where you buy roll-your-own supplies and you can roll a whole carton for about $8, including shipping costs.

So, in the past couple of days I rolled 2 cartons for him, saving $80. It took less than an hour per carton to do.

I'm planning on putting the money we save into our investing fund.

[Brian Mathews]

I think I might put it into a life insurance fund. 3 packs a day for 26+ years isn't sustainable. That is if the hospital bill for his inevitable health issues don't bankrupt you first. My grandfather died 35 years ago from smoking. His hospital bill was approaching $1 million dollars when he died. Aside from the immediate costs of smoking, does he realize the costs he will cost his family when he gets sick?