The first time using a rub-on sheet can be intimidating, however with the right tools, rub-ons are a lot of fun and very versatile.  Nearly all rub-on sheets come with a craft stick.  We found that a Rub-on Transfer Tool with two different sized tips really does the trick.  The narrow tip is particularly handy for intricate rub-ons since it allows for rubbing on the small details without accidentally transferring the surrounding rub-ons.