Abstract: A combination belt and lotion applicator includes a nylon strap having a circular handle attached to each end. A removable absorbent pad includes a hook type fastener on one surface thereof. A matching loop fastener is attached to a central portion of the strap to permit the pad to be attached and removed. A plurality of pockets with slide fasteners is disposed on the outer surface of the strap. The handles have a buckle attached thereto to permit the strap to be fastened around the waist of user. When the belt is unbuckled, loyion may be applied to the pad, and applied to the user's back by holding a handle in each hand.