When you get out of the bath or shower, don't towel off right away. Put a few drops of coconut or almond oil on the palm of one hand, and start smoothing the oil over your wet body. The water droplets help disperse the oil so that it is applied very thinly. If it is warm enough, air dry. Otherwise, I gently towel so that I don't rub off the oil. It doesn't take much oil to get a thin layer on your skin.
For hair -- my hair gets a dry look when there is less humidity in the winter. I use coconut oil or almond oil all over my hands to keep them soft. Again, it doesn't take much -- just a few drops. When most of the oil is absorbed, I rub my hands through my hair. If your hair still seems dry, put a drop or two more oil on your hands and rub through hair again. Don't over-do it, otherwise you will have a greaser look. When the humidity is too high, my wavey hair gets "bushy" looking, and I use more oil then to make it lie down.
I put several drops of rose or rose geranium essential oil in my bottle of almond oil to give it a nice scent.