How should dry skin be cared for to maintain good skin texture?

I have extremely dry skin, so I dread it when the cold wind starts blowing. When I wake up in the morning, my skin is unbelievably dry. It feels tight and rough all over, and it drives me crazy. Even though I apply toner immediately after washing my face and drying it with a towel, the dryness in that short time is indescribable. Because of this, I end up spending a fortune on cream. I apply it constantly, but it still dries out and feels tight quickly. On top of that, if I get redness from the cold, it's a real mess. In the middle of winter, I even get flaky skin. Please tell me your secret to achieving beautiful, moisturized skin.