Need advice on how to go about fixing my neck, jawline and general skin health

This is so hard for me to post but I genuinely am so tired of seeing myself like this and need some help on where to start. I gained a bit of weight in my 30s and while I've never had a great jawline, its seriously getting worse as I age. I've also noticed my face being much more textured and dry. I rarely wear makeup but also unsure of the proper steps for a skincare routine. I just use moisturizer and SPF usually. My jowls are starting to really show. I've always had high cheekbones and people use to tell me it made me appear youthful. That's great until the sag starts! Is there anything I can do to help these issues within a small budget? I'm fine saving up for higher end procedures but I really don't want to do face lifts/ more invasive things just yet