$365 pa for 1 cigarette per day...

Do the sums.

1 cigarette per day for a year = $365.

10 per day = $3650 pa.

15 per day = $5475 pa

20 per day = $7300 pa.

25 per day = $9125 pa

30 per day = $10950 pa

Now that is an expensive load of ash, be it on a daily basis of 1 to 30....

I can not afford to burn $365 let alone significantly increasing amounts up to $10 950. (That is an investment mortgage...) And if we live to retirement age that will go a long way by adding to the superannuation as we can expect a longer life span... and a healthier one...