Is this effective for dehydrated mature skin?

This is my current routine, but I use Le Prunier beauty oil at night as well (it wasn’t offered as a choice in the listed products). I also use kojaic acid for hyperpigmentation. My question is two-fold. 1) is this an effective routine for dehydrated mature skin (55 years old)? 2) I’m really over my budget with these products. Can you recommend effective alternatives in the $20-40 price range (or less!). Thanks for any guidance on my routine! - Danielle P.S. My skin is really sagging, so any products that address the above concerns and firm my skin would be welcome.