I do what I can to use organic products, but I don't feel as if I can afford all of it. I haven't come across any organic skin care products that I could afford regularly and none locally, but I haven't given up looking. One thing I have looked into is using naturally occurring products.
I use yogurt for a facial now and then and plain organic yogurt is good for minor fungal infections as it has the "good bacteria" that fights yeast and other fungi. It's as good for us on the outside as it is on the inside!
Honey is antibacterial, soothing, and promotes healing of scratches, cuts and even larger wounds. It keeps wounds moist, but safe from bacteria so they heal faster. Honey used to be used a lot more before antibiotics were discovered. Since it's a completely natural substance with no chemicals added, it has to be safer than antibacterial ointments.
Olive oil makes a good moisturizer if you put it on while your skin is still wet from the shower. It's also good to comb through dry hair. Soak your nails in it, then wipe and buff and they'll look and feel great.
Then there's vinegar. That can be used in so many ways I hate to even start here. Hair rinse, face peel, sunburn soother, diet aid and denture soak for starters.
Those are very frugal substitutes compared to over the counter medications, even if we buy the organic version of them.