How much boat could you buy if you saved the money on cigarettes by quitting smoking? How much money monthly could go to a new boat payment?

I did some number crunching on a spreadsheet, given the cost of cigarettes per carton, and how much the wife and I smoke per day. Here's some of the things that shook out:

1. Using a new boat loan for 180 months (15 years) at 6.99% and zero down.
2. Given wife smokes 1 pack and I smoke 1.5 packs now, 2.5 packs total per day, and right now a carton of cigarettes at our Kroger's is $38-39 each.
3. We save $3468 per year if we both quit, divided by 12 months means we can afford a monthly payment of $289 per month paid for by the savings from NOT buying cigarettes.
4. $289 per month buys you a new boat costing $32,000 with the loan terms above (payment would be $286/month). $30,000 boat = $268, or a $35,000 rig = $313 per month.
5. If/when Cigarette prices go up to $45 per carton, given 2.5 packs a day, by quitting you save $4106/year, or $342 a month, which as shown above bumps you up to a $35,000 rig, and gets you close to a $40,000 rig that has a $357/month payment. (an remember you might beable to pay teh difference with what you get when you sell your old rig)
6. When you quit smoking, and stay smoke free for a while, you may also save money (depending on your policy and company) on life insurance premiums and health insurance premiums. Ask your insurance companies for some quotes, and see what they say. You may find that the savings on insuruance when smoke free will easily cover the boat registration fees and a part of the boat insurance per year.

OFFER(FREE): EMAIL me at [email protected]. I'll attached the spreadsheet I used. All you have to do is enter the number of packs per day for each smoker, and the price of a carton of cigarettes, and the spreadsheet calculates the savings per year and month, then compares it to boat loans at selected values, and feeds back a red or green indicator on the amount of monthly boat loan paid for by being smoke free.

Doing this just to help anybody who wants motivation to quit. I'm working on going smoke free, and when I do get my new boat, I'll let you know how quitting can help you to buy my old boat! Good news here, is you really would only have to cut back to buy it from me!