Let's start from water – it's most important for a good living and probably costs us the largest amount of money. But the ways of dealing with high water bills are probably the easiest. Some of them starts with changing the habits like for example not letting the tap run while brushing the teeth or having showers instead of baths.
There are some easy ways that doesn't cost anything like fixing dripping taps or water the plants at garden with rain water collected in water butts and baskets. And if you can invest some money at the beginning you can buy the water metres which will show you how much water is wasting every month. Also before buying a new water appliance, like a dishwasher or washing machine, check for its water efficiency rating and choose the ecologic ones. They may not be so cheap but having them pays off at the end.
Second, the energy. Very simple way is to use the light of the day not the artificial light. Sounds to simple? Maybe, but it works. Only by getting up one hour earlier and going to bed not so late we can save a lot of energy (and also our health). If we encourage the whole family to do that our savings will be much bigger. The example for that might be the annual time changing which was started just because of energy saving reason.
More conventional ways? Count the amount of electrical supply at your home. Think which one of them is really useful for you and which can be replaced for something else. For example the electrical kettle which uses a great amount of energy may be changed for one that boils water by using gas. Replace: regular bulbs with the one that saves energy, and the almost empty dishwasher and washing machine with full loaded one.
Of course you can't throw away your fridge which really costs you the most of all electrical supplies. But you can do the same as in case of washing machine: buy the one with ”Energy Star” sign. Those one might seem a little more expensive at first place than the regular one. But you have to bare in mind that you will save a lot on running costs over time. Money spent won't be money lost, cause those washing machines are economy.
If it comes to heating one of the ways to lower bills might be reducing the limescale which is a sign of hard water problems. Surprised? Limescale is clogging pipes and increasing the bills for heating. It is not only force the heating to use more heat for hot water but also have a bad influence on living of your pipes, washing machines and dishwashers. To reduce that you have to think about proper water treatment system.
For example it might be one of water softeners, that works by replacing the calcium and magnesium in the water with sodium. Or an electronic descaler, that may remove lime scale problem. The truth is that all solutions are less expensive than ignoring this problem. The scale prevention might be cheaper than removing its effects.
And using only few of those ideas will surely cost less than doing nothing. Remember that with a small effort you can spend more money on your family and pleasant things not waste them on bills.