You don't have to use much. If you get too much on your fingers, just rub it on the rest of your body as well as your armpits. You'll find that it is a great moisturizer. Use it on your face as well. You'll see how well it absorbs. I have not had any problems with stains. No oily underarms on clothes. Laundry takes out any problem. Coconut oil is an antiviral, antifungal, and antivirus.