Here in South Africa we have a fellow come round every month to take our readings for our water and electricity, however I take ours every week, so I can track our electricity consumption. Our water Im not worried about as we get 20kl free water, our usage is under that for a month.
However with the electricty I do struggle, and have resorted to only switching on the geyser on in the evenings, and only cooking in the oven with a few other evenings waiting to be cooked, so I can freeze them and warm them up in the microwave.
We also turn everything off at the plug, as the tv, radios, microwave, dvd's.... even when they are on standby still use electriicty. We switch our computer on to standby when we leave the pc for a few minutes and have a setting for it to go onto hypernate after a while. But even that gets switched off at the wall in the evenings. All our lights are those energy saver ones.
Our aim is to cut our electricy usage of approx 300 Kw down to 250 kw. In winter I must be honest it does not go up as much as we have what you would consider a rather warm winter

. And walk around in socks with tracksuits, have blankets on the couch and only have one portable gas heater working in the tv room.