Answered[ Edited ]
haha, kssweetheart wrote majority of what I was going to write, so, I second her response. Make sure to use a good SPF during the day and start adding an eye cream to your regimen, especially if you like to smile/laugh like me. =O
Me is 23 also. We don't need to splurge on serums, peels and all those anti-aging treatment yet. If you have the grass-is-greener-on-the-other-side symptom like me and want to try some anyways, I suggest keeping an eye out for online promo code of them (7days, benefiance, ptrserum) so this way you get to try them for fun without spending huge money or pressure of too much product.
The best thing you can do is finding lightweight moisturizers with extra benefits. There are now many moisturizers with SPF for oily skin, or very lightweight. I use Bliss Fabulous SPF 15, Origin Perfect World UV Protector SPF35, and Supergoop SPF...something I forgot. Those are super lightweight and won't break you out. For night moisturizer, I like Bliss Oxygen+C gel cream, which is sorta like Clinique yellow gel in that it's sorta runny and they suggest rubbing it into the skin until it dissappears. I like it because it pushes out all the oil from in the skin so I wake up with an oily face, but once I wipe off the oil on top (gentle rub with damp towel), my skin is matte instead of oily underneath and moisturizers sinks in better. For eye cream, I recommend Origins Eye Doctor, a lightweight cream that's refreshing and sinks in fast. If it's not moisturizing enough, try Clinique All About Eyes. If it's too moisturizing, try any of the rollerballs.
The Bliss Oxygen+C sounds a little scary. I hate waking up with a oil slick, it tends to break me out.
I am looking for an eye cream though. I am using Clinique all about eyes but i feel like its not moisturizing enough. So I'll look into Origins eye doctor.
Clinique feels a bit thick like it leaves a protective layer on the skin but doesn't really sink in, Origins eye doctor feels refreshing because you can almost feel it sink into your skin and leave no greasy/sticky or protective layers on top. At least that's how it is for me.