21. Stop Smoking

If you’re a smoker who’s been wanting to stop for some time and you’re struggling for funds due to a lack of work or a decrease in salary, why not use your situation as the ideal motivation to stop? Regardless of how much you smoke – whether it’s one cigarette per day or forty cigarettes per day – the long-term savings you make by stopping will be monumental. Use your time to focus on something else when you would normally smoke. You CAN do it!