A swaddling towel has a major dimension and a minor dimension and fasteners are provided on the towel for securing the towel around a neck of a caregiver so that the towel may depend from the neck of the caregiver. First and second cooperating fasteners are spaced apart along the minor dimension and third and fourth cooperating fasteners are spaced apart along the major dimension. Securing the towel using the first and second cooperating fasteners, spaced along the minor dimension, results in the towel depending from the neck of the caregiver in the direction of the major dimension, facilitating wrapping of a new-born/baby. Securing the towel using the third and fourth cooperating fasteners, spaced along the major dimension, results in the towel depending from the neck of the caregiver in the direction of the minor dimension, facilitating wrapping of an infant/toddler.