Abstract: A method of applying multi-colored designs to substrates such as fingernails or toenails. A mask/stencil is prepared by cutting a design in a thin flexible plastic sheet held on a backing sheet by a low tack adhesive. Preferably, the mask/stencil is cut in a computer driven plotter using a sharp blade in place of the usual pen. The mask/stencil is removed from the backing sheet and placed on the substrate with openings corresponding to the design. A colorant is applied over the mask/stencil and areas of the substrate exposed through the openings. The mask/stencil is then removed, leaving colored areas corresponding to mask/stencil openings. Additional mask/stencils with different openings corresponding to other portions of the final multi-color design are then applied, coated and removed.