Well, Lori, in my personal opinion, I think you should always consult with a dermatologist before beginning any serious skin regiment, especially one introducing new chemicals and ingredients to your skin. They will be able to assess the current condition of your skin, any serious and possibly life threatening sun damage, and inform you of any possible medical interactions using a new product could incur.
When it comes to OTC treatments that won't tank your budget, Olay Regenerist Micro-Sculpting Cream, which delivers peptides to the skin below the surface to diminish the appearance of fine lines and ultra moisturizes the skin of face, recently won the 2010 Allure Readers Choice for facial moisturizer. Their Regenerist Anti-Aging Eye Roller also won an award for eye cream. It works by supplying caffeine to the skin below the eyes, eliminating puffiness.
For a more serious OTC anti-aging regiment, I recommend Olay Professional Pro-X Intensive Wrinkle Protocol. It's a kit of 3 products: a moisturizer with UVA and UVB protection to prevent further aging sun damage, a Niacinamide cream for collagen boosting, and a Peptide and Glycerin laced cream you can use whenever you feel the need to moisturize that fattens up the crevices caused by lining in the face and which also helps to fight the onset of new wrinkles forming.
You can purchase the kit from Wal-Mart for around $59.97, a steal for three products.
I hope this helps
