Our electric doesn't fluctuate much, it's been pretty constant. Everything is electric (stove, dryer, hot water). In the winter, I turn off the de-humidifier in the basement, since the coal stove keeps it nice and warn & dry, so it's a wash there. I think a hot water coil will help for the fall/spring/winter time to help decrease the electric a bit. We don;t have central A/c, just window unit for the bedroom.
If we keep the house closed up on hot days, it stays 10-15 degrees cooler.
We also have been capturing rain water from the gutters to water the plants, yard, etc...of course we have had way too much rain lately.