Still, in many cases what these service people do isn’t a lot of work, says Coleen Pantalone, a professor of finance at the D’Amore-McKim School of Business at Northeastern University in Boston. “But like paying bills,” she adds, “you need to set up a schedule and follow it. If you decide you just don’t want to be bothered with any of it, then buy a membership and let the company do the work. But recognize you will still have to set up appointments and wait for someone to come to your house.”