The financial costs don't stop at the cigarettes alone. You're also probably paying double or more for your health insurance. You're also much more likely to incur doctor visits and medical expenses than are non-smokers. This costs you both for the treatment as well as the lost wages from your time off from work. The value of your car and home may also be reduced, due to the odor and filth of cigarettes.
Smoking can be very offensive to non-smokers.
Many non-smokers won't consider a smoker as a possible spouse. If you're in sales, smoking may be killing deals because you smell bad, or have offensive breath. Your career may even be stunted due to excessive smoke breaks. Smokers waste many hours each week taking breaks to satisfy their habit. Don't think that your regular absences go unnoticed by your colleagues and your boss.