I am using ceiling fans and the air conditioner at...

Ceiling fans are definitely not a waste of energy.
Ceiling fans use very little electricity. Use them to circulate air in the house, to make the house feel cooler. By doing this, the thermostat setting for your air conditioner can be raised to 85?°F, and still maintain the same comfort as the lower setting.

Understanding how the human body interprets air conditioning it's easy to see that air circulation is extremely important and definitely not a waste of money. According to ASHRAE (American Society of Heating, Refrigeration and Air conditioning Engineers) the human body rates environmental comfort in this order from most important to least.

1. Air Movement
2. Humidity
3. Thermal Radiation (direct sunlight on skin)
4. Temperature.

The SINGLE most important factor in air conditioning is moving the air while the LEAST important factor is temperature.