Before I even opened the post my first thought was get a smaller house. I was just having this conversation today, you don’t need a 5500 sq ft house. People wonder why we’re in an economic mess and many of these same people think they need all sorts of things they don’t “need”. You even admitted you have stuff you rarely use like your boat. You don’t need 3 fridges. I don’t know why most people have wine fridges because everytime I have ever looked in one, they don’t even own wine worth chilling in a wine fridge and they DRINK the wine they buy, they aren’t aging it.
Secondly, I doubt you have all energy efficient appliances, as indicated by the lighting costs you have. I know that my monthly bill doesn’t vacillate by much regardless of how often I run the laundry, the dishwasher, etc.
Sounds like you need to scale back on all the “stuff” you think you need.