Yes - I absolutely hear you. Sometimes the budget just can't stretch that far and you still want good skin, of course!
How about something more like this:
PM: Cetaphil cleanser, a Vitamin C 20% serum (lots of good brands now so check out others for price) and the Elta UV Sport Waterproof Sunscreen ($22) in the summer and the tinted in the winter.
PM: Cetaphil cleanser, Cerave Lotion or Cream Moisturizer (eye area also) an [...]