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Hi, for similar problems that were caused by the tinea fungus, it is true that neem oil will help a lot, but the best cure is apple cider vinegar. Use a piece of cotton and dab apple cider vinegar on the lesions, at least once a day. Let dry without rinsing. The fungus cannot live in an acidic medium. Don't forget those cracked heels: they can be infected by the same fungus, that also causes athlete's foot and jock itch, depending on the location. My 5 years old son had tinea on his back, then the fungus moved to his groin, so this was called jock itch, but it was the same tinea versicolor fungus. I cut the vinegar half and half with water to ease the sting to these tender parts, put it in a spray bottle, sprayed him all over his lesions everyday after shower. He waited for it to dry before putting clothes on. Everything disappeared within a couple of weeks.
Beware that cats and dogs can be carriers. A very good treatment would be to dab on or spray apple cider vinegar, then rub in a few drops of neem oil. 2 very good, powerful antifungal in conjunction. For athlete's foot, wet or soak the whole feet in vinegar. Then rub in a little neem oil. Best luck!