The staggering sum of money you can save if you quit smoking this New Year – how to quit

New Year is a big time for starting fresh hobbies and giving up old habits. Among one of the most popular New Year’s resolutions is quitting smoking.

Although this is undoubtedly beneficial for improving your health, it can also have a significant impact on your finances.

Research by Caspian Insurance found that people could be saving more than £1,000 a year if they kick the habit – and that figure only accounts for people who smoke a maximum of five cigarettes a day.

A spokesperson for Caspian Insurance told “If you smoke five cigarettes a day, you would save £1,117.81 a year by quitting or £11,178.10 over 10 years.”

However, it isn’t just the money you spend on cigarettes that could be costing you in the long run.

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In fact, even those who have switched to vaping could end up losing money when it comes to insurance.

Oliver Rayner, managing director at Caspian Insurance, said: “It really does pay to quit.

“Life insurance premiums can cost around £25 more a month for smokers and vapers.

“Looking at a quote for a 35-year-old non-smoker covered for £300,000, level term insurance costs £13.01 a month, while the same cover costs £38.64 a month for a smoker or vaper.”

The good news is, however, that by quitting you could also reduce these premiums.

Mr Rayner said: “It just takes a year to be classed as a non-smoker and you should be able to get a better deal on your life insurance as a result on top of all the other cost savings, such as the price of cigarettes and e-cigs.

“And that’s before we go into all the time it saves you on smoking breaks.”

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How to quit smoking this New Year

Quitting smoking is a difficult journey for anyone, especially those who are long-term cigarette smokers.

This is because tobacco contains nicotine which is very addictive.

In fact, even infrequent use can lead to dependence.

Dr Naveen Puri, Associate Clinical Director at Bupa shared his top tips for quitting with

Choose your quit method

Deciding on a plan of action for how you will quit smoking will ultimately make the process more “effective”.

Dr Puri said: “Research has found that e-cigarettes can help you give up smoking, or there are different medications that your doctor can prescribe to you, as well as over the counter smoking cessation aids such as nicotine gums and lozenges, and nicotine inhalators, which can all help to reduce your cravings.

Start slow

Taking small steps, rather than one giant leap, can be the key to long-term success.

Dr Puri explained: “If you start slowly, you’re more likely to succeed or even

exceed your expectations.

“Why not set yourself a month-long challenge to stop smoking? If you can make it to 28 days smoke-free, you’re five times more likely to quit for good.”

Set a quit date and stick to it

New Year is the perfect time to quit smoking because there is a date set in stone for your journey to begin.

Dr Puri said: “Experts recommend having a goal in place because it gives you

something to work towards and aim for, meaning you can create a plan.”

Know your triggers

Whether it is stress or a pint after work, knowing when you are most likely town a cigarette can help you curb the desire.

Dr Puri said: “It’s important to understand and recognise these triggers. You may find it helpful to find a replacement (for example, chewing gum), letting your friends know you’ve quit and to avoid smoking near you, and taking some slow, deep breaths if you feel stressed.”

Establish a support network

Dr Puri explained: “Tell friends, family, and colleagues that you’re planning to quit and ask for their support.

“Get social support from healthcare professionals too — like your local stop smoking service.”

According to the doctor, people are up to four times more likely to stop if they have a supportive group of people around them.

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