i know morehead city, i grew up in central NC, though this may be the first time anyone has ever written a diary with my name on it....
conserve first, generate second.
random ideas:
build a second, 'fake' roof over your home. i have seen it done with sailcloth. can look sort of neat and tropical that way. if you cant do that, then next time the place needs new shingles, dont strip the old ones, just lay up a 2x4 truss with new sheathing, right on top. enclose eaves with aluminum or fiberglass screen, to keep the wasps out.
13 watt CFL's are similar to 60W incand.
open your darn shades instead of using indoor lights.
manual can openner 
kill the phantom loads (warts). got a doorbell? its a phantom load too, you know.
clothes dryer, hairdryer, dryer in dishwasher, water heater are killers. you can airdry the first three, and switch to either on-demand unit or passive solar (or both) for the last. i would think that is the place to start. shutting off your electric water heater does not help much, cause when you turn it on, the water is cold... a pre-tank might help some, get the water out of the ground, and into a tank outside in the sun, if not a full-blown black pipe array, that will help a ton even in winter.
heatpump. arg. i've got one too. a/c function works by dumping heat from indoor coil to outdoor coil. the lower the outdoor temperature, the better the outdoor coil is at shedding heat, which means it can pick up more from inside coil, which means unit runs less. how do we reduce temp of outside unit? put shade over it, use a liquid loop to tie it to the ground temp (especially cooling the compressor)
heat function works in reverse, so you WANT the outdoor coil in the sun, and your groundloop would be better as a black pipe array, arg.
i have been thinking seriously about solar water heating myself. if i could somehow use it to reduce my winter heating bills, i'd be happy.
allan
allan