Hi Mama-
I went to Sephora and got 2 samples. One is Skyn Iceland for stressed skin (lack of sleep equals stress in my book) and it is one you can put on throughout the day whenever you need a pick me up. However, if you use makeup, I suggest trying a sample of hylexin. I noticed it in Sephora because it has a picture of a lady with a seriously dark streak under her eye- almost football like. Anyway, my circles are pretty light in comparison, but this still worked. You don't want to put anything over it, though. It has something in it that acts like a concealer and brightens the area. If you try to layer stuff, it gets a little weird. But by itself (you can wear foundation of course without an issue), it is really fantastic. Just go into the store and ask for a sample of it. They will give you enough for a couple of weeks. If you like it, buy it. If you hate it, sample something else.
Another option is to go somewhere like Macy's where they have a bobbi brown counter. They have a really great, velvety eye cream and can match a concealer (they blend the 2 for maximum results and will do it for you as a sit down consult. you can try it out for the day and if you like it, come back and purchase). A last idea is to make an appointment at sephora with a lady to go over your options.
Natural options: green tea bags. Get them nice and steamy, then let them cool. While wet, place over eyes for 20 minutes. The caffeine mixed with the antioxidants in the green tea should help. Do this daily. If you want a super cheap option, get a really rich eye cream (moisturizing) and mix a little concealer with it. Dab that on each morning after your shower.
I like the stuff from sephora and also some stuff from my avon lady. Avon can get you samples to try as well. Just read through the catalogue and test the ones that you think are good ideas. If you love them, purchase. If you hate them, no harm done.
Good luck mama!
-E. M