Sometimes, a rub-on transfer can be extremely hard to actually transfer onto a surface.  Here's some tips that might help take the frustration away from a mishap and possibly a ruined project.

1. First try rubbing one end of the very edge of design with just your fingernail.  If that doesn't work, try rubbing the design with the handle edge of  a pair of tweezers.  Using a blunt object is best to begin with to avoid accidently tearing the design.
2. When the backing of the transfer begins to turn a milky color, you can start rubbing design further down while SLOWLY peeling transfer off toward you. 
3. Check to see if transfer is fully adhering to your project.  If it is, continue rubbing while GENTLY pulling transfer away from project (toward you).
4. Usually once the transfer edge is securely in place, the rest of the design will follow suit using the above application.
5. The good news is that once you get onto this procedure, even the toughest transfers glide onto your projects!