Order matters
People tend to buy equipment first and change behaviour never. That is backwards: the cheapest kilowatt-hour is the one you do not use, and several of the biggest savings available cost nothing at all.
1. Find out what you are actually on
Most people cannot name their tariff or their rate per kilowatt-hour. Start there. If your utility offers time-of-use pricing, the same consumption moved a few hours can cost meaningfully less — running the dishwasher and laundry outside peak is free money.
2. Heating and cooling is most of the bill
In most homes it dwarfs everything else. A couple of degrees on the thermostat, and not heating or cooling an empty house, outweighs anything you will achieve by unplugging chargers.
3. Water heating is second
Turning a tank down to 120°F, insulating the first stretch of pipe, and fixing a dripping hot tap are all cheap and all add up.
Standby draw is real but small. Phantom load is genuinely worth eliminating, but it is typically a few percent of a bill. Do it, and do not expect it to be transformative.
4. Then measure
Once the free changes are done, a home energy monitor tells you where the remainder goes. Most people are wrong about which appliances dominate, and guessing leads to spending money on the wrong problem.
5. Only then, generate
With consumption understood and reduced, generating your own becomes a smaller and cheaper problem. Plug-in solar offsets daytime background load for a few hundred dollars. A full rooftop system makes sense once you know what you actually use.
The order is the point. Reducing consumption first means any system you buy afterwards is smaller, cheaper, and pays back faster.