I am at home all day and have used the computer with no allowance problems since last August,
Same myself, so long as you have your system set-up correctly so that it does not "auto d/l" updates for things like Windows, A/V (prog updates, not virus definitions!), Firefox etc and schedule all d/l using a d/l manager then it really is quite easy so long as you are not a gamer or like to watch online TV/YouTube etc.
I always carry over some peak allowance to the next month, it's just about being sensible with these things. I mean what are the choices if no LLU is available at your exchange? Carp ISP with medium allowance but poor performance, poor CS, no proper techs and when you do phone they are in India or wherever. Or .... A Darn good ISP with people that know what they are doing who communicate with you every step of the way that offer a great deal on off peak usage but the ONLY downside being a slender peak usage offering - But even with that you can manage it how *you* wish and still carry unused off peak allowance forward every month and use it how you wish?
Decision? *What* decision?