Smoking. Lighiting up will not only kill you, but it can also do a number on your finances. Once you figure in the cost of additional dry cleaning and dental visits, youâ€™ve wasted a huge chunk of cash. On average, a pack of smokes will set you back about $5 (and those are the cheap smokes). If youâ€™re a chain smoker and you smoke a pack a day, that equals almost $2,000 a year.