You have to get up very early to take advantage of the speediest broadband services, new figures show.
Internet surfers in urban areas receive the fastest service at 4am, while those going online at 9pm have to make do with the slowest broadband speeds.%VIRTUAL-SkimlinksPromo%
At this, the most popular time to be on the internet, the average broadband connection runs a massive 28% slower than at 4am. And the average download speed plummets from 14.83Mbps to 10.72Mbps as a result.
The stats, which are from comparison website uSwitch, are based on more than 2.3 million consumer speed tests taken over the past six months.
They also reveal that those living in Birmingham and Middlesbrough enjoy the fastest evening surfing, while people based in Aberdeen and Swansea experience the slowest broadband speeds across the country.
While a Birmingham resident is enjoying an evening download speed of 12.88Mbps, his friend in Aberdeen could therefore be struggling with just 6.08Mbps.
Those living in Dudley in the West Midlands are the most likely to notice their broadband speeds changing depending when they go online, though.
The difference between the broadband speeds they receive at peak and off-peak times is an incredible 60%.
Julia Stent at uSwitch said: "This research shows the incredible strain that is placed on broadband when everyone logs on at the same time, particularly in densely populated areas.
"It certainly explains why some people may never actually feel like their connection is as fast as the one promised by providers when they signed."
Obviously, getting up at - or staying awake until - 4am is not the ideal solution for all those consumers frustrated by the slow broadband speeds they receive when they want to be online.
You can, however, run a quick test to ensure that you are getting the best possible service for your area.
Stent said: "Run an online speed test at home to check that you are getting the best possible service available in your area. And if you think you could do better, consider shopping around for a new deal."
10 of the biggest consumer rip-offs
Revealed: the fastest time for broadband
Using a mobile phone to make and receive calls, send texts and browse the web while abroad can be extremely costly – especially if you are travelling outside the European Union (EU), where calls can cost up to 10 times as much as at home.
To avoid high charges, Carphone Warehouse suggests tourists ensure a data cap is in place, use applications to check data usage, turn off 'data roaming', avoid data-intensive applications such as Google Maps and YouTube and use wi-fi spots to update social networking sites.
Payment Protection Insurance (PPI) is supposed to help people to continue meeting their loan, mortgage or credit card repayments if they fall ill or lose their jobs. However, policies are often over-priced, riddled with exclusions and sold to people who could not make a claim if they needed to.
At one point, sale of this cover - which was often included automatically in loan repayments - was estimated to boost the banks' profits by up to £5 billion a year.
Now, though, consumers who were mis-sold PPI can fight back by complaining to the bank or lender concerned and taking their case to the Financial Ombudsman Service (08000 234567) should the response prove unsatisfactory.
It could be you, but let's face it, it probably won't be. In fact, buying a ticket for the Lotto only gives you a 1 in 13.9 million chance of winning the jackpot.
With odds like that, you would almost certainly be better off hanging on to your cash and saving it in a high-interest account.
No-frills airlines such as EasyJet may promote rock-bottom prices on their websites. But the overall fare you pay can be surprisingly high once extras such as luggage and credit card payment fees have been added - a process known as drip pricing.
Taking one piece of hold baggage on a return EasyJet flight, for example, adds close to £20 to the cost of your flight, while paying by credit card increases the price by a further £10.
It may therefore be worth comparing the total cost with that of a flight with a standard airline such as British Airways.
Cash advances, which include cash withdrawals, are generally charged at a much higher rate of interest than standard purchases.
While the average credit card interest rate is around 17%, a typical cash withdrawal of £500, for example, is charged at more than 26%.
What's more, as the interest accrues from the date of the transaction, rather than the next payment date, costs will mount up even if you clear your balance in full with your next payment.
Supermarkets such as Tesco and Asda often run promotions under which you can, for example, get three products for the price of two.
However, it is only worth taking advantage of these deals if you will actually use the products. Otherwise, you are simply buying for the sake of it, which is a waste of your hard-earned cash.
Buy a train ticket at the station on the day of travel and the price is likely to give you a shock - especially if you are travelling a long distance at a busy time of day.
However, you can cut the cost of train travel by 50% or more by going online and making the purchase beforehand - especially if you book 12 weeks in advance, which is when the cheapest tickets are on sale.
Other ways to reduce the price you pay include avoiding peak times and taking advantage of so-called carnet tickets, which allow you to buy, for example, 12 journeys for the price of 10.
Most High Street banks offer packaged accounts that come with monthly fees ranging from £6.50 up to as much as £40, with a typical account charging about £15 per month.
Various benefits, such as travel insurance and mobile phone insurance, are offered in return for this fee. But whether or not it is worth paying for them depends on your individual circumstances.