Get a laser printer. Seriously. They're many hundreds of times more efficient than inkjet printers for routine non-color printouts. The average inkjet cart lasts for what, maybe 100 pages? Most laser printers come with a "starter" toner cart that's good for about 2,000 pages. Replacement carts are good for around 5,000 and they are only about 10USD more than ink refills.
You can often find something like the Samsung ML-2510 for around 50USD. It's a pretty no-frills black and white laser printer, but that sounds perfect for most of your needs. Keep the inkjet for when you need to print something in color, use the laser for everything else.
Some web coupons have background color that uses lots of ink to print. I print in black and white to save on colored ink, but would like to get rid of the background colors - they use my black ink. I tried copy/paste to Word document, and used the "no fill" option, but nothing changes. Thanks in advance for your help.