I have the same problem as Laniegirl and I do the same thing she does and I, too have tried the instruments and find the cuticle scissors do the trick better than anything.
I get severe callouses on my big toes because of bunions.. I think I "push off" with the ball of my feet so get them on the big toe of the first joint. I get them so bad that I have to soak my feet about every 5 days and then I remove them. I lay a sharp cuticle scissors flat on them and chop away. I know this sounds dangerous but I have tried using the little instruments you can buy and I can never figure how to get it back together once the blade slips out. My foot doctor used on on me and sliced into the soft flesh so I find this scissors works the best for me.
Yikes, they have an ointment specially made for calluses. You might want to get an anti-fungal cream as well to go along with that. If it proceeds to bother you or get worse, I would get a doctor to check it out and professionally treat it and remove it.
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