stop smoking!!

yeah, I've decided to stop smoking.


I smoked 3 packs (20 sticks) a week.
Lets do a simple calculation:

One pack of Malboro = RM 9.00
So one week = RM 9.00 X 3 = RM 27.00
One month money spent on Malboro = RM 27 X 4 = RM 108

So if I stop smoking now, I could have saved RM 1,296 per annum!! (RM 108 X 12)

I've checked the Public Bank's Basic Savings Account Interest Rate, 0.10% interest p.a up to RM 10,000

So if I start saving now, there will be total savings of (RM 108 X 9) RM 972 at the end of the year. What is my balance if I save for the next coming 10 years?

1st year = RM 972(1.001) = RM 972.97

2nd year = [RM 972.97 + RM 1,296](1.001) = RM 2,271.24
3rd year = [RM 2,271.24 + RM 1,296](1.001) = RM 3,570.81
4th year = [RM 3,570.81 + RM 1,296](1.001) = RM 4,871.68
5th year = [RM 4,871.68 + RM 1,296](1.001) = RM 6,173.85
6th year = [RM 6,173.85 + RM 1,296](1.001) = RM 7,477.32
7th year = [RM 7,477.32 + RM 1,296](1.001) = RM 8,782.09
8th year = [RM 8,782.09 + RM 1,296](1.001) = RM 10,088.17
9th year = [RM 10,088.17 + RM 1,296](1.003) = RM 11,418.32
* 0.30% interest p.a up to RM 30,000
10th year = [RM 11,418.32 + RM 1,296](1.003) = RM 12,752.46


Blardy hell, I could even afford down payment for this car!!

* under HP Agreement (10% of the cash value)


STOP SMOKING !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!