I need help on my skin care?

Okay so i know the skin care process–cleanser, toner, then moisturizer. im new to it though.

Im thinking of getting Neutrogena Alcohol-Free Toner Cleansing(Toner), Aveeno Ultra-Calming or Positively Radiant(Cleanser), and i dont know what to get for a moisturizer. the aveeno one is around $15, and i cant spend that much on a moisturizer, not even $10. Can you suggest one thats cheap and works well? Also, if you have other skin care suggestions, please tell.

We have a contract thing with this company where they installed actual good/fresh water. and bring us these year supply of products. one of them is oatmeal soap–which is good for your skin.
I dont know if that is suppose to be a cleanser, toner, moisturizer, or none of those. if not, am i suppose to use it before or after.