You definitely don't need a mutli-step programme. That kind of thing is just a way to part you from your money. I'm no skin-case expert but I am a scientist (chemistry) and make an effort to ensure I'm not wasting my money when I buy products.
First of all, Clinique is a good brand. It's more affordable than many other quality brands but the quality is great.
There are a few ingredients that do actually work. Retinol is the one that seems most effective. Among other things, it helps stimulate collagen production in the skin. There are collagen creams but they don't work because the molecules are apparently too large to get through the skin. So your best bet is retinol. Studies have shown that it reduces wrinkles.
Another effective ingredient is hyaluronic acid. It moisturizes. The more you moisturize, the few wrinkles you'll end up with and your skin will feel healthier.
Vitamin C cream is also effective.
Some people say that "peptides" work, but they're complicated. "Peptides" can mean so many different things. I personally use retinol at night (it breaks down in daylight so there's no point in using it during the day) and hyaluronic acid and vitamin C cream during the day.
Your combination skin may actually be a sign of dry skin, so try drinking a bit more water and moisturizing.
It'll take a bit of trial and error to get the retinol right. It can cause break-outs at first so you'll want to use a low concentration to start with. The brand "The Ordinary" (available at Boots) sells very affordable retinol and other products. Boots often has good deals and makes high-quality products too.
I don't use a cleanser, but am very careful about the sun. I wear a hat as well as sunscreen and recommend you do that in summer. Good luck.