4              THE FINANCIAL COSTS TO YOU!        

Hello!   I’ve been waiting for you!

I’m going to assume that Chapter 3 made an impression on you and that you have turned to Chapter 4 because you are seriously considering quitting your tobacco habit!

As I stated earlier in Chapter 1, you need all of the facts in order to be capable of making an informed decision!

Let’s take a look at how much money smokeless tobacco is costing you.

EXPENSE TO SOCIETY


There are many different factors that determine the financial cost that smokeless tobacco imposes upon society.

Some of these are a loss of productivity of the worker, sick pay due to tobacco-related diseases, automobile accidents and fatalities caused by the inattention of drivers using smokeless tobacco, etc.

The total expense to society just goes on and on and on!

While these social issues are very costly indeed, we are not here to solve societal issues.

We are here to solve your addiction to smokeless tobacco...right?

WHAT NICOTINE ADDICTION IS COSTING YOU!

I feel that for the purpose of this book and its intentions, the following applies:

• to help you to calculate what you have spent on your tobacco over the years.

• To help you to calculate some possible medical expenses.

"Did you say medical expenses?" you ask.  Yes, I did.

We are going to do some personal financial calculations in this chapter.

The figures that we come up with on the cost of tobacco and medical expenses should give you reason for concern!

Have you ever wished for some serious money after all of your necessary expenses?

Money just to spend on fun things?   Who hasn't!

Have you ever wanted to have some fun and treat your family to some of the little perks that you feel they deserve?

Do you ever feel guilty because you can't afford to do the things that you would like with your family?

Ever feel bad that you spit out enough for the family to have a wonderful time on each month?

Do you have to tell them, "Later when we have the money...I promise."  "Money's tight...maybe next month."

Sounds familiar?  Yeah...I have been there too.

I used these phrases or ones just like them to explain to my family why we couldn't do a lot of the things we should.

Things that we should have been able to afford.

It was a case of mismanaged funds.

Was I an alcoholic?  Drinking up the money?  No.   Was I a gambler?  Losing the family fortune?

No.

Wait!  Maybe I was a gambler in a sense.

I was taking money that the family could have been using for useful or entertaining things...and spitting it out literally...gambling that I wouldn't get cancer!

I was giving my money to the tobacco companies.

I was robbing my children.

You know, I couldn't believe how shocked I was when I discovered just how much I had spent and was continuing to spend...on my precious snuff.

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