Hard to do
Everyone thinks they have the sollution to your money problem by having your DH quit smoking. Yes, that would be best for all, but it is hard. I think about all the money I spend on nails, hair, cigs, liquor, and other non-esentials. What the hell? Can you just quit something you have done everyday of your life, at least 20 times a day? NO. You couldn't stop eating, drinking, or speaking could you. Don't harp on someone for their addictions. It is easier to harp about someone elses, but I am sure that you all have a vice or two that you aren't proud of, even if it is free to do.
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