In a study last year, his group found that a third of bank employees did not mention low-cost options when customers asked about checking accounts.

So on routes where there are competing carriers, you should compare both low-cost and network options.

"The shareware helped us to determine our needs as a low-cost option," she said.

Rather, the lottery provides a legal chance, a low-probability and low-cost option, to pay a small amount for the opportunity to gain a great deal.

For some people, she said, church-sponsored activities are a low-cost option.

This was a low-cost option and offered the potential for expansion, even if it was rarely made use of.

Chalet Annie is a low-cost option in this snowsure but expensive resort.

Mobile telephony provides low-cost options for people to set up news operations.

Some other companies offer "low-load" policies, another low-cost option.

A local plan offers low-cost options if most of your calls are near home.