Tip #1: Get a back lotion applicator
Arms and legs tend to need moisturizing the most, but hard-to-reach places like the back do as well.
To moisturize hard-to-reach places, try a back lotion applicator, which you can get for under $10 at Amazon or Walmart.
Tip #2: Moisturize after bathing and before bed
The best times to moisturize are after bathing when the skin is still damp, and right before bed when skin can undergo repair overnight.
Tip #3: To make it easier to moisturize, keep cream in your bathroom and next to your bed
To create the habit, try to place one bottle of cream in your bathroom and one by your bedside.