for those who smoke , please consider to quit smoking ,
    and save two years from paying RM600 monthly.

     e.g / home loan RM120k , 4.5% P.A
             RM608 monthly for 30 years.

            if you quit smoking , and use the RM20 cost of a pack of cigarrette
            to pay extra RM20 monthly into the RM608 monthly repayment
            (RM608+RM20= RM628) , your tenure will end at 28years
            only instead of 30 years.


        saving projection and compound interest.
      

             borrow less , pay more monthly , save years and a lot of money.