Explain it to me like I am 5: how to moisturise your body

So, apparently you should moisturise your body after you shower. I rarely moisturise my body. Please explain to me your routine. People mentioned exfoliating, how often do you do that? With what? Explain it to me like I am a child. My mum wasn’t into skin care etc, so I am learning as I go. I am now a mum to two girls so want to help them too.

I have dry skin, especially on my legs, but this is probably because I only moisturise once in a blue moon. I am white (does that help?!) and live in Scotland so it’s not overly hot and is mainly cold and wet.

Thank you ❤️