A New Savings Plan
 

Keep the money in a jar labeled “My Nonsmoking Money.” Put the amount you would have spent for cigarettes in the jar at the intervals you would have if you were buying your usual supply of cigarettes. If you lapse you have to take the money out of the jar to buy cigarettes.

 

After you become a well-established non-smoker and you do not have many problems avoiding tempting situations, you may want to save or invest this "found" money. You may want to start educational savings accounts for your children. You could put the money in a Roth since you will now live long enough to enjoy retirement. Or you could put it in a vacation account to save for that trip to Tahiti.

So its not a pot of gold. Still saves coins.
 

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