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Do you think facial moisturiser high end or low end are just a waste of money?

Emma on 18 Oct 14:19 in Makeup

I don't wear facial moisturiser at all, and my skin looks perfectly fine. The only moisturiser that I do use, is olive oil or any kind of oil in a minuscule amount. Do you wear facial moisturiser at night? During the day? Or none at all? Why or why not?