$500 isn't bad at all based on the usage you described. I am guessing that it's a 50/50 split for electric and gas. Working in home construction and having some experience, I assure you that a 15 degree temp difference is too great. Think about it, your house cools to 60 at night, in the morning your furnace is stressed out and working to pull the temp up to 75, your furnace not only is trying to heat the air in the house, it also has to heat the surfaces in the house such as floors, walls, furniture, etc. In theory your temp difference should not be more then 8 degrees; otherwise you’re not really saving anything by backing the temp down at night. 75 also seems a bit stuffy for winter, I live in Texas now, and even when we lived in Colorado (cold state), we kept the house at 68-70 in winter, and anywhere from 70-75 in the summer. In today’s ultra air tight new homes, many homes now have 2 furnace and ac units, 1 for upstairs, and 1 for down. If your house has 2 such units, heat rises, and cold air is heavy so keep the heat on the 1st floor higher in the winter, and an upstairs unit may not need to run as frequently, and vise versa during cooling season. One other thing, remember when told as a child to "turn off lights when you leave a room" if your not turning off lights and you have every light in the house on, try for a month to turn off excessive lights and I guarantee your bill will go down at least a few dollars. If you insist on having lights on, might think of investing in some compact florescent bulbs which you can buy at any Kroger or Home Depot, or even LED bulbs from C Crane (www.ccradio.com). If you want to spend money to save money, if your washer and dryer are older, it might be worth taking a look at the new energy efficient front load washers, and a new dryer. If you have and electric dryer and it seems to take forever and its not old enough to get rid of, look at replacing the heating element, sometimes as a heating element ages it stops heating up as quickly or as hot as it used too and therefore the dryer runs longer. As it stands though $100 per person, per month for energy doesn't seem too excessive but I guess if you evaluate your lifestyle, and really pay attention to little things like leaving a light on that uses excessive energy, you might find room for improvement, and end up keeping more of your money instead of lining the coffers of PG&E.