This is an interesting thread, made me do some research on water too..
Your profile says you have a 75 gallon tank, and you also mentioned a 30 gallon tank. Ok, so lets say you're in a situation where you're doing 10% water changes weekly on 105 gallons -- 10.5 gallons per week -- and lets just say for argument purposes that you're evaporating 1 gallon/day -- ok, so about 18 gallons per week.
Google my facts here, or check with the American water works assoc --
Have you checked your pipes lately? Got any drips? A faucet with a medium leak can cost you 18 gallons per week.
How long do you shower for? Five minutes? There goes up to 25 gallons of water depending. Skip a shower once a week and your good on the money.
Last -- have you actually calculated how much your water costs? I'm not in the same location as you, but I'm charged a little less than 1.8 cents per cubic foot -- or (if my math is right) about $2.40 per 1,000 gallons. So, if I were maintaining 105 gallons I'd lose two dollars and forty cents for more than a weeks worth of topoff water and weekly water changes. Of-course, I didn't include tax and base charges...