@HoneyLady: you reminded me of a fact that rarely occurs to me. More rural areas to have harder water and borax is said to help the soap function in the water. If anyone knows better than me, feel free to correct me (I live in a city so that limits my experience). Good luck with your lotions (I would like to make some at some point).
borax or washing soda (which dissolves better in cooler water than borax)
I've also read about and used vinegar or citric acid to prevent hardwater deposits. Hard water can be present in a city - if you're in the states this might be a helpful resource http://water.epa.gov/drink/local/index.cfm
@CanaDawn: have you figured out what type of soap you are going to make?
The same type I have been making for a couple years now, I expect