<p>The applicator with interchangeable inserts comprises of an applicator (1) and one or more interchangeable inserts (4). The applicator (1) comprises of an elongated hollow tube (2) with an absorbent applicator tip (3) affixed to one end. The interchangeable inserts (4), each comprises of an elongated tubular housing (5) with a sealed end (6) and an open end (7) wherein a fluid (8) is enclosed near the sealed end (6) with a viscous substance (9) disposed near the open end (7) sealing the fluid (8) within the elongated tubular housing (5). The elongated tubular housing (5) is further provided with an opening means (10) such as a score line near the sealed end (6) to allow release of the enclosed fluid (8) through the open end (7) of the elongated tubular housing (5).</p>