I probably had access to the Web from a Unix workstation by then. Had BBS systems and things like FTP earlier. At that point though, none of those things had any material effect on how I lived my day to day life (other than computer hobby-related). I think when I checked a few years ago, my first order from Amazon wasn't until sometime in the late 1990s, for example. And I don't recall using the Internet for anything really work related until around that time as well. If you want to go back a few more years to 1990, I doubt I had a cell phone yet.
Back in 1995, a movie called The Net was released. One scene near the beginning showed the main character ordering pizza online. I don't think any pizza chain had online ordering until later in the '90s.
Just rewatched that movie funnily enough. Yeah, most of what we think of as the Internet, or at least the Web, started to be in the consumer radar post-1995.