Stop paying fees to a VPN company. You can set it up yourself!
I set up a VPN on my home computer in about five minutes using the built in Windows software. I didn't have to download any extra software.
Paypal is famous for limiting your account if you try to pay for something while traveling internationally. Twice in the last three months, they have limited my account which requires me to call them and prove who I am. Had I just remembered to turn on my VPN, I could have avoided all of this.
I also use my VPN ANYTIME I am using a public wifi hotspot on my laptop or iPhone. It's too easy to get all my email passwords if I don't turn it on!