I just wanted to answer Miss Tina M, who asked about lotions. If you go to Sephora, or Nordstrom, or Ulta, or any other place that sells lotions and potions (and I do love them so...but that is for another day), they will tell you that lotions will help with sagging skin. They say it increases circulation and diminishes cellulite, and that it does just about everything for you except wash your dishes and give you an orgasm (well, unless you are using the lotion in a VERY different way). They will sing promises and dance dances of mighty lotions that will turn you into a slender, gazelle-like creature with big boobs, big eyes, a round bum, and a flat tummy.
*They LIE.* That's right, like sleeping dogs, like a braided rug, like Tiger Woods in front of a microphone. You can pretty much bet that if it's on the back of the tube, or in a glossy ad featuring an already-thin woman, that it is not entirely true.
What you can do is maximize what you have. Stay out of the sun, drink lots of water, eliminate caffeine (in beverages only, however, because studies have shown that lotion with caffeine has a slight, and temporary, tightening effect). Get a faux tan, because it will make stretch marks and wrinkly skin less apparent. Work out regularly and build your muscles to help fill out the skin a bit. Exfoliate to increase your circulation, and indulge on a massage occasionally for the same reason. Hydrated skin is healthy skin, so use moisturizer liberally.
But stay realistic. While all of these things will help slightly, they won't fix the shriveled balloon appearance of someone whose lost the equivalent of an Olson twin. Your skin has only so much elasticity, and can only recover so much. If I had stopped losing at 90 lbs, I would have no problems at all. It was at about 115 lbs that I really started noticing it. And I have REALLY good skin. I've seen some people lose half of what I have that are as withered as a raisin. What you end up with is a product of genetics, how much weight you had to lose, how quickly you lose it, and how badly stretched your skin was to start with.
I suggest getting yourself a drug-store brand (Nivea, Aveeno and Neutrogena are consistently rated highly) that won't break the bank, and slather it on. It won't hurt you, and if you are losing less than 100 lbs it may be enough. Otherwise, save your pennies for a good, experienced plastic surgeon and vow to donate the skin that's removed to burn victims (yeah, you really can do that!). And maybe by the time I lose all my extra weight they'll use my extra skin to create a new Olsen