The rule of thumb with skin care or cosmetics is that if one product on your face has a sunscreen, that’s all you need. Having said that, I myself, use a moisturizer with a sunscreen and a foundation with a sunscreen, even though I know that I really don’t need to have both with sunscreen. As long as one product has one, then you are covered.
It is not important how old you are, but if you are obviously concerned about protecting your skin from aging then sunscreen is the most important component in order to slow down the aging process. If you want easy access to skin care and you don’t want to spend a lot of money (but you can if you have it), then you can try Oil Of Olay’s Regenerist line. This product has comparable ingredients to much more expensive skin care options like Strivectin. The results are quite good, excepting very fine lines around your eyes and mouth. For aging skin product lines based on Vitamin C and Vitamin A are very good.
For a real woman eye cream is a necessity. There are no oil glands in the skin directly beneath and above your eyes and you really need to use a cream designed just for that area. Frankly, you can use your eye cream around your mouth area and your neck area too if you want to eliminate having to purchase separate products.
There are plenty of products targeting to slow down the aging process of the skin. When you decide to use a skin care product, try to find if you can purchase a try-me kit first to see if it works for you. If not, then you haven’t really invested all that much money and you can move on to something else.