Hey Diana,
Generally dry skin is due to absence of moisturizing. However since you are already using a moisturizer the problem seems to be with something else. Probably you should change the moisturizer you are using. I would personally recommend Yonka PampleMousse to you. It soaks into the skin and makes your skin baby soft. Bathe using lukewarm water only. Take short baths or showers. Oatmeal baths work really well for dry skin. You can also use baby oil on your skin after bathing. Also check the soap you are using. Probably the soap is causing your skin to dry up.
I hope this advice has helped you out.