You said budget-friendly, and my post won't be; however, over the last two years I've developed super-dry skin, and a trip to the dermatologist was worth the price.
I'd had oily skin all my life, and suddenly in my early 40s, I suddenly developed incredibly dry skin down the middle of my face (between eyebrows, nose, and especially from the corners of my lips down). My skin was literally flaking off, and it felt painfully dry and cracked all the time. I also had unflattering redness and pimples that wouldn't go away no matter what I tried. I felt self-conscious all the time, and the skin under my mouth was particularly dark and ugly. It looked like the lines on a marrionette puppet. I could tell that other people noticed too (and it wasn't just my imagination).
I tried all sorts of exfoliating scrubs. I tried all sorts of lotions. I tried vaseline and everything else that people suggested. NOTHING HELPED.
The dermatologist said I had both exema and rosasea. He treated the exema first (which was good because -- as I said -- it was literally painful). The $50 cream (that $50 was my co-pay; the cream was actually $150) took care of the worst of the problem in days, and by the end of the month the difference was nothing short of incredible.
For maintenance, the dermatologist told me never to use anything with alcohol in it, and he told me never to use anything with an exfoliant. He also told me to use Versa-cream soap and lotions. They're a little expensive ($2.75 for a bar of soap, $7.50 for a medium-sized bottle of lotion), but they're not so expensive that they're unaffordable. I also used their sunscreen last summer (for my face only). They're difficult to find; locally I can only get them from behind the counter at Target -- they're not prescription, but you must know to ask for them. I really think those products are doing almost as much good as the prescriptions.
After the first month, I was able to stop the first cream. He prescribed two more -- one for the morning, one for the night -- that are working on the redness and pimples. Each of those two creams has a $50 co-pay as well, and they haven't worked quite so well as the exema cream did. The pimples are under control, but the redness -- though significantly decreased -- is still there to some extent.
Your problems may not be as bad as mine were, but what I've paid to the dermatologist is well worth the cost. It has made a HUGE difference in my skin.