A hand-held fluid substance applicator for applying a fluid substance to a skin surface is provided. The hand-held fluid substance applicator includes a first body having a middle portion extending continuously between a front side and rear side. The first body forms a first chamber that can hold a fluid substance, wherein the first chamber is in fluid communication with a first pad. A first valve dispenses the fluid substance to the first pad upon increased pressure in the first chamber. A second body is removably secured to the first body and includes a second chamber in fluid communication with a second pad, wherein the second chamber can hold the fluid substance. The first pad is used to apply the fluid substance to a first part of a user's body and the second pad is used to apply the fluid substance, or a second fluid substance, to a second part of a user's body.
