A great affordable eye cream I've been using lately is Neutrogena Ageless Intensives Deep Wrinkle Eye Cream. It contains Retinol (for exfoliation and fading of age spots) and Hyaluronic acid (for moisture and plumping). 95% of people see a reduction in fine lines around the eyes.
It's non-greasy and doesn't make my eye makeup smudge and really does seem to make my fine lines disappear. It use it before bed as well as in the morning over my moisturizer.
Find it at any drugstore for around $17.