A hand-held applicator includes a first applicator layer adjacent a first reservoir and a finger-receiving space for securely holding the applicator. When the first applicator layer is external facing, the fill material is dispensed outside the applicator and when the first applicator layer faces into the finger receiving space the fill material is dispensed into the finger-receiving space and applied to the finger or fingers in the finger-receiving space. The applicator may further include a second applicator layer adjacent a second reservoir and opposite the first applicator layer and first reservoir to securely store and dispense a second amount of the fill material. Reservoir access layers separate the first applicator layer and first reservoir, and the second applicator layer and second reservoir and transform between a first, closed position where the fill material is securely stored in a reservoir and a second, open position where fill material is dispensed from a reservoir through an applicator layer.
