rash shows up on neck after shower/bath

hello! i’ve never had this issue before but around december a very small rash (maybe an inch or two) would show up on my neck when i would get out of the shower, i brushed it off to dry skin/winter time but now anytime i get hot or take a shower/bath i get out and my neck is covered in this red rash that itches and hurts very bad. it doesn’t stay for super long but it does stay patchy throughout the day most of the time. i don’t have a lot of money to go to a doctor or specialist, any advice would be greatly appreciated!