Stop Smoking, Start Saving?

Car and health insurance rates continue to be on the rise, big surprise, right? What might come as a surprise are the ever-decreasing cost of life insurance. With premiums dropping at a staggering pace, many financial experts believe now is the best time ever to invest in a policy. How can they be wrong when costs about half of the price it was ten years ago? Estimates show that prices for both men and women fell yet again this year. Although the premiums are still fairly low, costs for smokers actually saw a slight increase for 2008. Could this be the end of cheap premiums for smokers? It’s entirely possible, which is why now is a great time to stop smoking and take advantage of costs while they’re still low. Most providers require you to have stop for at least a year before providing you with non-smoker prices, but you can still expect low premiums by then. If you’re thinking about kicking the habit, here are some tips to get you through the difficult process.

Tips to Stop Smoking

  • The first thing to remember about quitting is that it probably won’t happen overnight. It can be an incredibly difficult process and going cold turkey isn’t usually the best idea. Just be patient and take it one step at a time.
  • If you don’t already have a decent exercise routine, now is the time to start. Try to exercise for a half hour each day if possible and use it as an escape when you feel an urge coming on.
  • Many people find that their diet is affected when they decide to stop smoking. Some put on a significant amount of weight during the early stages so make sure you’ve got healthy and nutritious food around when you stop.
  • Nicotine cravings often spring up when you’re tired, which is why it’s even more important for you to get a decent amount of sleep each night. If you have trouble falling asleep after quitting, try reading a book or taking a walk before you settle in for the night.
  • Studies show that it’s easier to give them up with the help of others rather than going it on your own. Get the support you need from family and friends or talk with other people trying to stop as well.
  • Finally, drink plenty of water throughout the process. The water can help flush out toxins still in your body, stop cravings, and of course keep you hydrated during this difficult time.

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