Without knowing more details, any advice is going to be very generic.
Preventing Energy Loss
- Look into weather sealing, if you find windows or doors that are drafty
- Add attic insulation if you don't already have it (or increase the amount if you are able)
- Upgrade to double-pane windows with Low-E coatings to minimize heat loss in winter and heat gain in the summer
- Fix leaky faucets
- Turn off lights, power strips, appliances, etc. when not being used to minimize vampire-draw
- Adjust refrigerator temperature to energy-optimal settings
In general, if you can minimize energy loss, you can decrease your costs. Energy that (literally) goes out the window is basically money that (figuratively) goes out the window.
- Turn down water heater temperature
- Turn down thermostat (and potentially use heated blankets or space heaters for comfort)
Consider using less energy in general. Most water heaters are set far higher than is really needed. While they are typically well insulated, it still leads to greater standby loss and somewhat greater distribution loss.
- Upgrade your water heater to a heat pump model
- Upgrade your heating/cooling systems to a ground-source heat pump
- Upgrade your appliances to Energy Star appliances
- Look into waste-heat recovery systems (such as Drain Water Heat Recovery)
The Energy Factor of an appliance is (essentially) a rating of its efficiency. Look for appliances with >.9EF, which typically means condensing water heaters/furnaces, heat pumps (see below), and better insulated refrigerators/ovens. If you pay for 100% of your electricity, it would be nice to utilize 100% of it (or more, see below).
A quick note about heat pumps, under most conditions they are able to provide greater thermal efficiency (denoted by the Coefficient of Performance) than pure electric resistance heating. This is because a resistance heater generates 1W of heat for every 1W of electric power provided. A heat pump, on the other hand, is able to deliver more than 1W for every 1W of electric power (often ~3) because it takes heat that already exists and simply moves it to where you need it.
The downside to some heat pumps is the minimum operating temperature may be higher than the low temps you experience in winter. In that case, you will need a secondary heat source (like an electric resistance heater or natural gas furnace).
- Investigate alternative rate plans, such as time of use
- Consider investing in solar panels
ETOU (as they are known here) plans change the electricity rate based on when you use the energy. Sticking to off-peak hours means you'll pay less and your utility likes you more for reducing peak demand.
Solar, while--potentially--a big investment, can potentially take you off-the-grid. Furthermore, you might even be able to sell electricity back to the utility for money, if you generate enough. Buying the panels, batteries, inverters, and related equipment is expensive, but many providers offer lease, loan, and PPA (where they act as your utility) options as well, which could mean no money up-front.