You might consider a “water-based” nail polish, such as Acquarella. It’s “halaal,” which, to Muslim women, means it allows water to pass through and reach the nail. I’m not sure if all water-based polishes are considered halaal, but I know Acquarella is. I don’t know if this would mean that any “treatments” would still get through to the nail, but I do know this polish allows your nails to breathe at least.
Generally a nail fungal infection will start off as a white or yellow spot on the tip of the nail. As it begins to develop, the nail may become thickened, brittle/crumbly/ragged, change shape, become darker in color, or get dull. If the nail starts to separate from the nail bed, it is called onycholysis, which can be quite uncomfortable. Without treatment, toenail fungus can go on indefinitely. Even with treatment, it can occur on and off.
I work with pools all spring/summer/fall every year (installing/removing/cleaning/maintaining), and am a plumber all year around, My feet are almost ALWAYS wet or in water daily, while I’ve been fortunate to have never had any fungal issue (yet), they got like how you described your feet, dry and cracked from constantly being wet and dry, What worked great for ME was to scrub my feet thoroughly with a good stiff foot scrubber brush and “Sloughing” creme (my wife got the brush and creme through her Avon makeup lady for less than $10) twice per day and than wash them off in very hot soapy water, than towel dried and powdered my feet with Johnson’s baby powder and heavily powdered my socks and shoes. That worked great for my very dry, cracked feet. they quickly became nice and smooth and soft again! No oils, meds or lotions helped. Now I just make sure that I wash, dry and powder my feet as soon as possible once they get wet or sweaty to keep them nice, and I also keep my shoes clean and dry. Good Luck!
To use Funginix, apply the viscous solution to the nail with a brush applicator and wipe away the excess with a cotton swab. Keep your feet dry while using Funginix for maximum effect. The solution will absorb in about five minutes and starts working quickly. For the best results, use Funginix consistently. Customers love this one-of-a-kind toenail fungus solution and post about its success in product reviews. 

“They are effective in treating athlete’s foot and may help infected nails to some degree, but they are unlikely to clear fungal nail infections because those formulations do not effectively penetrate into the nail itself,” explains Dr. Zeichner. One such topical solution that does sink into the nail? A brush-on treatment called Jublia, an FDA-approved option you can ask your dermatologist about.


Check with your doctor if you have diabetes and may have nail fungus. Diabetes causes poor circulation in your feet, so you’re more susceptible to infections on your feet. Unfortunately, a simple nail fungus infection can develop into something worse if it’s left untreated. However, your doctor can examine your toenails and make a proper diagnosis so you can receive prompt treatment.[14]
Australian tea tree oil is a two or three applications remedy. Toe nail fungus hides under the nail, but its weakness is it needs air. So after soaking your foot in hot water for a time, get a wooden tooth pick and dig under the nail to remove as much fungus as you can. You will be surprised how far in you can go. Using about the third toothpick dip that in tea tree oil several times to fill under the nail. Then dig back under the nail to get the oil as far in as you can. Its cheap , its no fuss and its natural. Tea tree oil also fixes athletes foot, Ringworm and other fungal ailments regardless of area affected. Friend had a fungal condition on his anus. A suppository soaked in tea tree oil fixed that. Doctors remedies and diet did not. Rob
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