Hi, lately I've noticed that my skin is excessively DRY!, and

I have been really unatended to moisturizing my skin

, I take showers with really warm water (everyday!) and I know that dries my skin, but on top of that I dont have a good lotion that would hydrate and make my skin soft and a give it a moisturized touch. I'm scared of this since my skin is literally cracking (or so it seems like it), and I'm terrified of getting strethmarks (due to dryness) which I started seeing already. I live close to cvs, rite aid, kmart, beauty supplies, so please tell me about a good lotion I can buy that WILL (not may) give me a nice long lasting moisturized feeling?
Thanx in advance to those who answer
-Andrea