Jocelyn C. answered 05/28/19
Jocelyn's Guidance
In the US, 'dirt' can be used in both instances. If I was gardening all day I might say: "my hands are covered in dirt." I could say the same about the soil I put in an indoor potted plant. However, I can also say: "You've got dirt on your face." The word 'dirt' is a very general term, but can be substituted for more specific ones. For instance, someone might be covered in dust or adding fresh soil to their garden. The one time (that I am aware of) dirt is used as a distinguishing term would be in gardening. A person might be mixing soil into the 'dirt' when starting a garden. This is distinguishing from typical earth found in the backyard, and a higher quality mixture specifically used for growing plants.