Expensive Habit

What does your smoking habit cost?

If you smoke 2 packs a day or 60 a month, that's 6 cartons. At $40 a carton, that's $240 a month.

So if you make $10 an hour that's 24 hours a month to afford those, right? Wrong.

If you are in the 15% federal bracket (a low bracket) and 3% state income tax rate (some states have no income tax and others have rates of 9% and up), you need to earn over $290 or work 29 hours a month.

Quit now and save big $ - nearly enough to cover a high deductible group health care policy.

'til later