And let us be serious about the major cost. The major cost is time. That is a number that you have to calculate. If you want to succeed at anything you have to pay the price. Nothing of any value is free.
Many people have the time to set up their own mailing programs.
To help those who want to do it themselves, we have found lists that you can use. They are good lists that can get you started. And you can even get a great free email marketing program here . I use it myself. It is the best product that I know of.