replacing your light bulbs (on non dimming switches) is def. worthwhile. Every little bit helps. I hate big fluorescent light bulbs but I like the little ones as long as they aren’t in a chandelier.
Sounds like it is time to get your wife an electric blanket or something.. I think that you should concentrate on getting your wine down (have mrs. do it she’ll feel warmer) so you can get one of the fridges off too
does she have a job? how can she not care about the utility bill and make sacrifices?