I'm sure everyone will have more tips about what worked for them, but I suggest you see a dermatologist as well, and when you try things give them a bit of time to see if they work. They may recommend something that's expensive for a whole line (moisturiser, toner, cleanser, mask...), ask for samples: say enough for 2 weeks to see if it makes a difference, don't be led into buying larger amounts if you are not sure they will work, even good-quality lines may not work the best for you. I do hear good things about Cetaphil, which is apparently cheaper. Most times a good supermarket brand can be as good as the expensive stuff, but maybe not for severe cases where you might need medication or something heavy-duty.
Many changes can affect your skin but in your case my first suspect would in fact be hormonal changes, so remember this is likely to settle down with time.
If you can't see a dermatologist right now I would suggest a good brand in the supermarket price range, since you are only using water now. Be careful with very grainy scrubs as they may make things worse if you are too harsh when using them. I suggest a gel cleanser, not a creamy cleanser, and a moisturiser for acne-prone skin, and something with a high concentration of salicylic acid for a night treatment (I have recently got Garnier 2-part system with a scrub and a gel 'peel' for night and I like it a lot, reasonable price too). If you can't spend tons of cash I say the toner should be the first to go especially if you are looking at an expensive line, expensive toners are a waste of money IMO, I love toners but would never spend much on them at all.