I have naturally calloused hands and feet, how can I soften them?

I'm in my early 40s and have always had rough and calloused hands; under my right toe on both of my feet, I have thick calluses. Do I need to soak my feet each night? I have a nano-metal foot pumice for my showers. I apply lotion after washing my hands and use cuticle oil. I've tried foot peels, and they don't do much. I also use diabetic foot cream to try to soften my feet. I'd love buttery soft hands and feet; I've been dealing with the calluses on my toe for years with only marginal improvement. Is there anything I can do? I can't afford pedicures and manicures right now.