Check with your electric company for rebates to help pay for a more efficient system (for example, $300 to upgrade to 15 SEER or better).
Also, make sure your system is sized correctly -- do a complete "Manual J" calculation. Most systems are way oversized, so they cycle on and off excessively. This is very inefficient, and doesn't give the dehumidification a chance to work. So you wind up lowering your thermostat even more to compensate.