I also using inverter type Daikin.
Fridge on 24 hours, toshiba 480L. Use water heater once daily. No cooking, no microwave,
TV on 3 hours perday and PC about 5 hours daily.
Air con 8 hours daily, temp set 26 - 25.
Monthly cost about RM50 or less. Depends if my parents come over here or not.
Light, hall 2 florecent. Room 4 x 15w bulb energy saving type.

For high elec, I think heater might contribute a bit, also depends how long u spend on the bath room with the heater is on. Electrical water boiler, eletrical stove,,,, anything u can notice high watt is consider high electrical usage.

The best is as one our forumer mention using some meter amp to test the power consumption.