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On July 1st a law was passed to make almost every indoor public place in England smoke free. Now if this isn t enough to make smokers want to kick the habit, or the risk of cancer, then perhaps sitting down to work out just how much money it affects their bank balance!

According to a NHS report, the average smoker will spend 95,000 on cigarettes in their lifetime. If we break this down you re talking roughly 1,500 per year if you smoke the cheaper brands just think what you could buy with that sort of money! A holiday, car, a whole new wardrobe…

In addition there are other cost associated with smoking, which many forget to include when calculating costs and potential savings. These include, and are not limited to, teeth whitening and cleaning costs to remove nicotine stains and smells. The largest additional cost however is in insurance premiums, and quitting smoking can drastically reduce this. For example, for a smoking male to be insured for 100,000 life cover over the next 25 years (more...)

This policy is an insurance against loss of ones
items from home. Usually it covers accidents that might
also happen like breakages, spillages or other damage.

The cost of the insurance does depend on that cost
which would be incurred to replace the items, so
if the cost is high, the premiums may well be higher.
The policy is usually a long document which details
what is and what is not covered. The infamous “Acts
of God” exlusion and “war” and “earthquakes” are
typically not covered. Flooding is a sensitive one
in the UK and you need to check your policy carefully
if you are seeking cover in a place liable to flooding.

The policy typically runs for a year although shorter
periods can be available. Whoever takes out the policy
will pay the insurance company some money - a premium
which will bring the contract into force.

Sometimes there are ways of reducing the cost of th (more...)