Hi @Crystalxo! Welcome to the community!!
As long as the moisturizer you’re using is for the face (and not the body), that’s totally fine! To be honest, I believe that most eye creams and serums are simply face creams that have been repackaged! Companies just want us to spend more and more money and buy more and more things that we don’t actually NEED!!
A moisturizer is really all you need, as long as you apply it every night before bed and every morning, especially in the winters when the air is so cold and our skin tends to dry out a little more. A face moisturizer will do the same thing as an eye cream because it will still moisturize the delicate eye area. The number one cause of wrinkles and dark circles is lack of moisture, so any face cream should work.
Another thing you could try which actually works really well and is SUPER cheap is Vaseline. Just dot a small amount underneath the eyeds and on the eyelids and it works like a charm!