A tool for treating a surface by rubbing and including means to dispense onto the surface stuff, for example, a lotion for skin treatment, and including also a pair of opposed fins which are supported by a stiff, tapered, upstanding spine portion that traverses the tool and has an upper radial face for wiping and scrapping stuff, the fins extending laterally of and along the lower length of the spine portion and having an under face for rubbing contact with the surface, and each fin having optionally an upper absorbent face on each side of the spine portion to provide a swabbing capability, and the tool having a distal end and a proximal end, with the upstanding spine portion narrowing toward the distal end of the tool and the spine portion being hollow and shaped towards the proximal end for holding of the tool directly or coupled to a holdable object and also a method for making the tool.