Lease-to-own eliminates the expenditure of hardware replacement and allows you to pay off the server over time. Usually, this is much cheaper than leasing servers. Think of lease-to-own as credit without interest.
this video explains a free download that you can incorporate into your Access databases, or use stand-alone for contact management.
Contacts -- Names, Addresses, Phone Numbers, eMail Addresses, Websites, Lists, Projects, Notes, Attachments…