I'd definitely recommend washing your face thoroughly morning and evening. A toner is a good way to remove any last traces of makeup or dirt and will also help to restore the balance of the skin.
I have trouble finding time to cleanse as well! I find a good way is to get it out of the way - as soon as you get home, remove your makeup (if you're wearing any) cleanse, tone and moisturise.
If you have a normal skin type, you can probably use either an oil or water based moisturiser - if you feel your skin needs more moisture opt for oil based, or you can play it safe and use a water based moisturiser which will suit all skin types.