Do you have kids who have perhaps decided long showers are good in cold weather ?

An electric shower is 10kW typically so the difference between 10 minute showers and 20 minute showers on the bill at the end of the month can be a lot...
I've been using the loop energy saver for nearly a year now and find it great. More than just measuring the present usage it will graph it on an hourly basis and makes it easy to see daily, weekly, monthly trends etc. And it will calculate how much you're paying per day/week/month if it knows your tariff. The monthly figures it reports are within about 10% of what my energy provider puts on my invoice. I also use it to monitor gas usage.
Having this kind of feedback certainly helped to modify our habits when we saw immediate daily feedback on usage, both gas and electricity. For example when scheduling heating in different rooms it's surprising how much gas you can save by having lesser used rooms that you don't spend much time in (for example bathroom in the evening) 1-2 degrees lower in temperature. If you only get a bill at the end of the month you can never correlate what you did with what generated a large bill.