We turn everything off at the powerpoint when not in use.

I heard a man talking about this on the radio not long ago and he recommended timers for your appliances like dishwashers, washing machines and dryers to come on 2-3am in the morning. He also recommended keeping the house cool or warm rather then waiting for it to get too hot or too cold as the heater/cooler uses more power trying to cool/heat the place.

Those oil heaters are energy suckers so only use them and turn the off when not in use. And perhaps you need to spend the money on energy efficient heating which will ultimately save you lots of $$$$ on bills.