For home phone, I recommend you try Ooma. It's a VOIP service. Once you buy their box, you pay no monthly service fee, only taxes, which are generally significantly under $10 in most areas.
For cell phone service, if you want to keep your phones, you can download the RingTo app. You can even port your number. It lets you make and receive calls and send and receive texts for free, but only over wifi. It WILL NOT work without a wifi connection, and as such, isn't for everyone. Otherwise, you might try a service like Ting. It's basically a pay-as-you-go service. You pay only for what you use each billing cycle, and it's pretty reasonably priced. Fwiw, I'm not affiliated with Ting in any way. I use T-mobile with a developmentally disabled phone.