Hi, justasking! As chazza said, I wouldn't buy a waterproof mascara for fear of damaging the delicate skin around your eyes needlessly. I've never been able to get the stuff off properly without hurting my eyes.
I have quite long lower lashes so always used to end up with black smudges under my eyes throughout the day, but I changed my mascara to Rimmel's Volume Flash with the Curved Brush. I love it and it's a brilliant price. I also started to lightly dust a translucent face powder (also Rimmel) under my eyes with a small brush, which seems to have stopped the smudging completely. Give it a try, as it's better than pulling at the skin that is your most delicate. :o)