With the costs of vacations, traveling, and new beach clothes, shelling out any extra money for sun protection is probably the last thing on your shopping list. It might help to know that a study by Consumer Reports found that you can get plenty of sun protection for low costs. In fact, the "Best Buy" for sunscreen was a Target brand for under $10 for a pair of 6oz containers. The Up & Up Sport Continuous brand offered great protection against UVA and UBA rays, while still offered at a reasonable price.
What was interesting to find, was that the most expensive brand of 18 tested ($18/oz) was actually the least protective against sunburn. Fortunately, the majority of the sunscreens tested received good ratings. This means that you don't have to assume that the most protection comes from the most expensive bottles. Instead, you can choose your sunscreen based on price, smell, or feel and still be sun safe.
Be sure that your lotion contains protection against both UVA and UVB rays. The SPF factor relates to the UVB protection only, but UVA rays are also responsible for increased cancer risk as well as wrinkles. No matter which brand you decide to buy, choose an SPF of at least 15 and reapply often. A deep tan may look nice at 20, but your 40-year old skin will appreciate a little protection!