$95 for cell phone is very high. I'm on Google Fi, $20/month + $10/GB of data used, rounded to the exact amount, no shady rounding up $10 billing practices, it's great. Since I'm on wifi most of the time my bill is usually somewhere around $40, and Google Fi is hardly the cheapest MVNO cell provider out there. The big advantage with Fi is some of their plans include international data at the same rates, which is quite unique. They even cap my bill at $60 so I'd never come close to what you're paying. Fi runs on T-Mobile, so if you're in an area where they have good coverage it's a good option.
Cable and internet is tougher, it really depends on your viewing. I segregated cable from internet once Google Fiber was in my area, that's $70 a month for their Gigabit plan which is plenty. They now offer 2GB and 5GB plans but I can't see how that'd be necessary for a single family home.
Cable is still pretty high at $125/month. It used to be $115 but cable companies play the game of increasing the fees every few months so it creeps upward over time. I will call periodically to negotiate with the retention department to get promotions, sometimes it works and sometimes it doesn't. Obviously pay attention to the add-ons you're paying for and remove services you don't use. I only pay for one box with HD DVR and no premium channels, and it's still $125. I keep inching closer to switching to apps but YouTube TV is up to $75 now, so with that and a couple of streaming plans you're right back at the same price point with worse coverage of live sports.
Cable companies reserve their best rates for new customers. If you're married, the best way to work the system is to cancel in your name and have your spouse sign up in hers. Then when her promotional period ends, probably 1-2 years, switch it back to your name, repeat as needed. Aside from those methods there aren't great ways to get cable companies to play ball anymore.