It's change, but it's not a change that necessarily costs a lot of money. On the contrary, many environmentally friendly changes to people's ways of life can save them money.
Key to climate change is the amount of fossil fuels we use. Reduce that amount, by saving energy, and you can save money. A CFL costs less money over its lifetime than an incandescent bulb, an LED may end up even cheaper. Sure it's a bit more of an upfront investment, in the end you save money.
Buying a smaller fridge that's got better energy efficiency (more efficient cooling system, better isolation) and you're going to save a lot of energy - you save money.
Get a more fuel efficient car, less trips to the gas station, save money. Even better: use public transport or a bicycle. Especially a bicycle is a really cheap, fast and even healthy (gives your exercise in the process) way of getting around town.
Get proper isolation for your home. Double glazing, foam isolation in between the double brick walls. Save a lot of energy, and have a more comfortable home (no matter whether you try to cool it or heat it) to boot. It's an upfront investment that saves money over time. Get a fan, so you don't have to switch on that A/C when it gets warmer.
And the "few people changing is meaningless" argument is downright stupid. A few people changing IS meaningful. It has to start somewhere! Those few people that do change may well inspire other people to follow suit. Their changes in consumption patterns may prompt manufacturers to cater for them the moment the movement is big enough, again prompting more people to follow suit.
Change the world, start with yourself. Otherwise your whole "we've got to change!" argument IS meaningless.