Call up your provider and tell them you want to review the entire plan. Go over what services that you currently have and what you need. Then ask what the best way that they can solve them with any discounts that might be available.
You will need a certain amount of that you have easy access too. But not too easy that you’ll spend it. Having an “internet savings” account is the best option. A company like ING Direct is great for that. They offer a high interest rate on the money. Have no limits on the amount that you need to deposit and you can deposit or withdraw funds electronically into your checking account.