A multi-fluid applicator utensil comprising a head assembly having a head section; a face surface; a back surface; and a receiver and a handle assembly having a shank and a gripper. The head assembly is pivotally mounted on the handle assembly with the shank received by the receiver located in the head section. The head assembly comprises a socket. The handle assembly comprises a ball pivotable in the socket. The shank is telescopic providing an extended length of about twelve inches and a retracted length of about 8½ inches. The gripper provides a grippable surface by which a user-applier is able to manipulate the multi-fluid applicator utensil. The multi-fluid applicator utensil comprises injection-molded thermoplastic and is useable by the user-applier to surface-apply the oil, lotion and cream to the bodily skin surface in hard-to-reach locations.