What is the best skin care routine for me?

I'm a 28 year old female, and I don't have a skin care routine. My skin is mostly combination. I wash my face with Noxema in the shower every day..and thats pretty much it. I take off my makeup with Neutrogena wipes..sometimes. My face has kind of a rough texture, so I want to smooth it out and keep any further damage from happening to it. I need a good moisturizer with SPF in it that won't break my bank. Trying to read up on routines gave me oils, retinol, glycolic acid, toners, vit A..help?

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